| | | | |
|
| Knoxville | | Shopping around is the best way to | | Retrospective Premium: The final |
| Odessa | | save money on your insurance. | | premium in a retrospective rating |
| Hemet | | | | plan. See Retrospective Rating. |
| Eugene | | At InsWeb, you can compare free | | |
| Dearborn | | online insurance quotes from many of | | War Risk Insurance: Insurance |
| Southfield | | the nations leading insurance | | covering damage caused by war. |
| Hickory | | companies. | | Most often written by Ocean Marine |
| Waterloo | | | | Insurance companies covering |
| Green Bay | | Healthy people have the best | | vessels. |
| Canton | | mortality risks and thus are much | | |
| Edmond | | cheaper for companies to insure. This | | Tariff Rate: A rate established by a |
| Chattanooga | | translates into lower rates for the | | rating organization, which comes from |
| Littleton | | Super Preferred customer than | | the tables, schedules and rules found |
| Norfolk | | someone with higher risk factors such | | in the tariff of rates. |
| Cape Coral | | as a heart condition, cancer or | | |
| Vineland | | diabetes. Conversely, if you were | | Society of Insurance Research: An |
| Virginia Beach | | unhealthy when you acquired your | | organization which encourages |
| Turlock | | policy, and your health has now | | insurance research and promotes the |
| Eugene | | improved, it might be time to shop for | | exchange of ideas and methods of |
| Salt Lake City | | a new policy, as your rates are likely | | research. |
| Chattanooga | | to be lower. | | |
| Aurora | | | | Agency: An insurance sales office |
| Kansas City | | The best time to switch policies is | | which is directed by a agent, |
| Bakersfield | | within one month of receiving your | | manager, independent agent, or |
| Cookeville | | policy renewal from your current | | company manager. |
| Costa Mesa | | insurer. You can typically cancel your | | |
| Littleton | | policy without any fees or penalties if | | Business: In Property, Liability, and |
| Turlock | | you act within this time period. | | Health lines, it usually refers to the |
| Spring Hill | | | | volume of premiums. |
| Sacramento | | People who are trying to quit | | |
| San Bernardino | | smoking, for example, might be best | | Calendar Year Experience: This |
| Santa Monica | | suited purchasing a shorter term (and | | measures the premiums and losses |
| St. Paul | | then replacing it with a longer term | | entered on accounting records during |
| Mountain View | | policy when they qualify for | | the 12-month calendar. |
| Joliet | | non-tobacco prices). | | |
