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| Lancaster | | Everyone has different needs, and | | Building Code: This refers to |
| Tacoma | | not one size fits all when it comes to | | municipal or other governmental |
| New Orleans | | term life insurance. While it may make | | ordinances regulating the type of |
| Gulfport | | sense for people in their 30s and 40s | | construction of buildings within its |
| Livonia | | to secure a 20-year term length, a | | jurisdiction. |
| Minneapolis | | 10-year term might be more | | |
| Council Bluffs | | appropriate for someone nearing | | Captive Agent: One who sells |
| Boca Raton | | retirement. | | insurance for only one company as |
| Los Angeles | | | | opposed to an agent who represents |
| Bayside | | Why not take advantage of current | | several companies. |
| Arlington | | low prices? Many auto insurance | | |
| Spartanburg | | consumers are becoming educated | | Exclusions: Specific situations, |
| Decatur | | on other companies, plans, and rates | | conditions, or circumstances that are |
| York | | that are available to them; ones that | | listed in the contract as being not |
| Florence | | could afford them significant savings | | covered. |
| Rochester | | on their auto insurance. | | |
| Plano | | | | Effective Date: The date on which the |
| Inglewood | | If you have noticed that your auto | | protection of an insurance policy or |
| Boca Raton | | insurance rates are still increasing | | bond goes into effect. |
| Hemet | | with each renewal, or even have not | | |
| Santa Rosa | | gone down even though you have a | | Minimum Premium: The smallest |
| Lake Charles | | great driving record, this lower pricing | | amount of premium for which an |
| Torrance | | trend makes it more important then | | insurer will issue coverage under a |
| Duluth | | ever that you shop around for auto | | given policy. |
| Zanesville | | insurance. | | |
| Overland Park | | | | Retail Credit Company: The former |
| Hampton | | The quickest and easiest way to | | name of Equifax, a credit reporting |
| Lubbock | | shop for new insurance is by | | organization. See Equifax. |
| Gaithersburg | | comparing rates at InsWebs online | | |
| Kingsport | | marketplace. If you do it the | | Initial Premium: An amount paid at the |
| Aurora | | old-fashioned way (by calling or | | inception of an insurance contract, |
| Decatur | | visiting multiple agents or insurance | | usually subject to adjustment at the |
| Alameda | | companies) it could take up a huge | | end of the policy period. |
| Greensboro | | chunk of your time, which no one | | |
| Edison | | wants or needs. By completing | | |
| Fort Myers | | InsWebs online application, you will | | |
| Burbank | | have rates to compare to your old | | |
| Fresno | | ones within minutes! | | |
