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| Springfield | | The quickest and easiest way to | | Effective Date: The date on which the |
| Kansas City | | shop for new insurance is by | | protection of an insurance policy or |
| Santa Rosa | | comparing rates at InsWebs online | | bond goes into effect. |
| Denton | | marketplace. If you do it the | | |
| Columbus | | old-fashioned way (by calling or | | Premium Receipt: The receipt given |
| Fayetteville | | visiting multiple agents or insurance | | a policy owner for the payment of a |
| San Diego | | companies) it could take up a huge | | premium. |
| Columbus | | chunk of your time, which no one | | |
| Corona | | wants or needs. By completing | | Replacement: A new policy written to |
| Macon | | InsWebs online application, you will | | take the place of one currently in force. |
| West Chester | | have rates to compare to your old | | |
| Springfield | | ones within minutes! | | Convention Values: Values assigned |
| Trenton | | | | to insurers' assets in the convention |
| Little Rock | | If you have noticed that your auto | | blank. |
| San Diego | | insurance rates are still increasing | | |
| Marietta | | with each renewal, or even have not | | Valued: Relating to an agreement by |
| Anderson | | gone down even though you have a | | an insurer to pay a specified amount |
| Anaheim | | great driving record, this lower pricing | | of money to or on behalf of the |
| Worcester | | trend makes it more important then | | insured upon occurrence of a defined |
| Johnstown | | ever that you shop around for auto | | loss. |
| Anderson | | insurance. | | |
| Naperville | | | | Captive Agent: One who sells |
| Decatur | | Individuals who have 30-year | | insurance for only one company as |
| Chattanooga | | mortgages might want to consider a | | opposed to an agent who represents |
| Cedar Rapids | | 30-year term to ensure that the house | | several companies. |
| Oxnard | | is protected throughout the period of | | |
| Milwaukee | | the loan. | | Professional Insurance Agents |
| Manchester | | | | Association: A trade association of |
| Jasper | | We offer quotes for auto insurance, | | mutual insurance agents. |
| Aurora | | life insurance, homeowners | | |
| Tempe | | insurance, health insurance, term life | | Authorized Insurer: An insurer |
| Edmond | | insurance and more. | | authorized by the state to transact |
| Newark | | | | business in that state for specific |
| Williamsport | | Make sure you have a new policy in | | types of insurance. |
| Modesto | | place before you cancel your old one | | |
| Winter Park | | to avoid a lapse in coverage. This will | | |
| Norfolk | | also prevent having to figure out the | | |
| Silver Spring | | amount of any unused premium that is | | |
| Norwalk | | due to you from your old insurance | | |
| Southfield | | company, or having to spar with your | | |
| Clearwater | | agent about exactly when your policy | | |
| Dothan | | was cancelled and how much they | | |
| Newark | | owe you. | | |
