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| Ann Arbor | | The quickest and easiest way to | | Indemnity: Restoration to the victim of |
| Miami | | shop for new insurance is by | | a loss by payment, repair, or |
| Scranton | | comparing rates at InsWebs online | | replacement. |
| Lafayette | | marketplace. If you do it the | | |
| Quincy | | old-fashioned way (by calling or | | Retrospective Premium: The final |
| Dubuque | | visiting multiple agents or insurance | | premium in a retrospective rating |
| Lexington | | companies) it could take up a huge | | plan. See Retrospective Rating. |
| Independence | | chunk of your time, which no one | | |
| Wilmington | | wants or needs. By completing | | War Risk Insurance: Insurance |
| Gulfport | | InsWebs online application, you will | | covering damage caused by war. |
| Hampton | | have rates to compare to your old | | Most often written by Ocean Marine |
| Grand Prairie | | ones within minutes! | | Insurance companies covering |
| Jacksonville | | | | vessels. |
| Nashua | | If you have noticed that your auto | | |
| Morristown | | insurance rates are still increasing | | Losses Incurred: The total losses, |
| Lake Worth | | with each renewal, or even have not | | whether paid or not, sustained by an |
| Las Vegas | | gone down even though you have a | | insurer during a given period, e.g., 12 |
| Flint | | great driving record, this lower pricing | | months. |
| Abilene | | trend makes it more important then | | |
| Biloxi | | ever that you shop around for auto | | Not Taken: Policies applied for and |
| Costa Mesa | | insurance. | | issued but rejected by the proposed |
| Alpharetta | | | | owner and not paid for. |
| Dayton | | People who are trying to quit | | |
| Kansas City | | smoking, for example, might be best | | Cash Flow Underwriting: The use of |
| New Orleans | | suited purchasing a shorter term (and | | rating and premium collection |
| San Jose | | then replacing it with a longer term | | techniques by insurance companies |
| Santa Ana | | policy when they qualify for | | to maximize interest earnings on |
| Gulfport | | non-tobacco prices). | | premiums. |
