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| Tallahassee | | At InsWeb, you can compare free | | Tariff Rate: A rate established by a |
| Amarillo | | online insurance quotes from many of | | rating organization, which comes from |
| Lubbock | | the nations leading insurance | | the tables, schedules and rules found |
| Reno | | companies. | | in the tariff of rates. |
| Clarksville | | | | |
| Fredericksburg | | Everyone has different needs, and | | Independent Agent: An agent |
| Myrtle Beach | | not one size fits all when it comes to | | operating as an independent |
| Alpharetta | | term life insurance. While it may make | | contractor under the independent |
| Cincinnati | | sense for people in their 30s and 40s | | agency system. |
| Henderson | | to secure a 20-year term length, a | | |
| Corona | | 10-year term might be more | | Appraisal: An evaluation of property |
| Fort Myers | | appropriate for someone nearing | | made to ascertain either the |
| Nashua | | retirement. | | appropriate amount of insurance to |
| Naples | | | | be written or the amount of loss to be |
| Melbourne | | People who are trying to quit | | paid. |
| Boulder | | smoking, for example, might be best | | |
| Santa Ana | | suited purchasing a shorter term (and | | Valuation Clause: A clause stating the |
| Toledo | | then replacing it with a longer term | | value of items for insurance |
| Pasadena | | policy when they qualify for | | purposes, making it a valued policy. |
| Clearwater | | non-tobacco prices). | | |
| Union | | | | Will Ride: Coverage that remains in |
| Denton | | The best time to switch policies is | | effect regardless of the geographical |
| Cypress | | within one month of receiving your | | location in which a loss occurs. |
| Lincoln | | policy renewal from your current | | |
| Columbus | | insurer. You can typically cancel your | | Deflation: An economic period |
| Ann Arbor | | policy without any fees or penalties if | | characterized by falling prices, high |
| Alpharetta | | you act within this time period. | | unemployment and a generally |
| Vero Beach | | | | sluggish or slow economy. |
| Winter Haven | | Healthy people have the best | | |
| Raleigh | | mortality risks and thus are much | | Exclusion: A contractual provision that |
| Malden | | cheaper for companies to insure. This | | denies coverage for certain perils, |
| San Bernardino | | translates into lower rates for the | | persons, property, or locations. |
| Lubbock | | Super Preferred customer than | | |
| St. Louis | | someone with higher risk factors such | | Index Bureau Experience: A measure |
| Abilene | | as a heart condition, cancer or | | of losses relating to claims reported |
| Erie | | diabetes. Conversely, if you were | | through a claim office during a |
| Toms River | | unhealthy when you acquired your | | 12-month period. |
| Glendale | | policy, and your health has now | | |
| Davenport | | improved, it might be time to shop for | | |
| Mountain View | | a new policy, as your rates are likely | | |
| Lakeland | | to be lower. | | |
