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| Tulsa | | Shopping around is the best way to | | FICA. Federal Insurance Contributions |
| Tulsa | | save money on your insurance. | | Act: A law imposing a payroll tax to |
| Montgomery | | | | assist in funding Social Security |
| Houma | | If you have noticed that your auto | | benefits. |
| Boise | | insurance rates are still increasing | | |
| Memphis | | with each renewal, or even have not | | Cash Flow Underwriting: The use of |
| Fort Worth | | gone down even though you have a | | rating and premium collection |
| Anderson | | great driving record, this lower pricing | | techniques by insurance companies |
| Council Bluffs | | trend makes it more important then | | to maximize interest earnings on |
| Cookeville | | ever that you shop around for auto | | premiums. |
| Florence | | insurance. | | |
| Vancouver | | | | Insurance Examiner: The |
| Garland | | The quickest and easiest way to | | representative of a state insurance |
| Albany | | shop for new insurance is by | | department assigned to participate in |
| Des Moines | | comparing rates at InsWebs online | | the official audit and examination of |
| St. Paul | | marketplace. If you do it the | | an insurer. |
| St. Joseph | | old-fashioned way (by calling or | | |
| Alpharetta | | visiting multiple agents or insurance | | Substandard Risk: A risk not |
| Saginaw | | companies) it could take up a huge | | measuring up to underwriting |
| Jersey City | | chunk of your time, which no one | | standards. It may still be written but |
| Baltimore | | wants or needs. By completing | | usually at a surcharged premium. |
| Abilene | | InsWebs online application, you will | | |
| Lafayette | | have rates to compare to your old | | Not Taken: Policies applied for and |
| Daytona Beach | | ones within minutes! | | issued but rejected by the proposed |
| Torrance | | | | owner and not paid for. |
| Portland | | Why not take advantage of current | | |
| Tucson | | low prices? Many auto insurance | | Calendar Year Experience: This |
| San Francisco | | consumers are becoming educated | | measures the premiums and losses |
| Pembroke Pines | | on other companies, plans, and rates | | entered on accounting records during |
| Huntsville | | that are available to them; ones that | | the 12-month calendar. |
| Joliet | | could afford them significant savings | | |
| Winter Haven | | on their auto insurance. | | Fiduciary: A person holding the funds |
| Wichita | | | | or property of another in a position of |
| Macon | | Healthy people have the best | | trust. An example would be the |
| Bloomington | | mortality risks and thus are much | | executor of an estate. |
| Sarasota | | cheaper for companies to insure. This | | |
| Costa Mesa | | translates into lower rates for the | | |
| Stockton | | Super Preferred customer than | | |
| Waco | | someone with higher risk factors such | | |
| Carlsbad | | as a heart condition, cancer or | | |
| Mobile | | diabetes. Conversely, if you were | | |
| Cookeville | | unhealthy when you acquired your | | |
| Denver | | policy, and your health has now | | |
| Duluth | | improved, it might be time to shop for | | |
| Los Angeles | | a new policy, as your rates are likely | | |
| Denver | | to be lower. | | |
