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| Littleton | | Shopping around is the best way to | | You/Your: These words are used to |
| Clearwater | | save money on your insurance. | | refer to the named insured in many of |
| Flushing | | | | the modernized/personalized policy |
| Metairie | | Why not take advantage of current | | forms. |
| Livonia | | low prices? Many auto insurance | | |
| Escondido | | consumers are becoming educated | | Collusion: An agreement, usually |
| Dothan | | on other companies, plans, and rates | | secret, between two or more persons |
| Winter Haven | | that are available to them; ones that | | to defraud or deprive another or |
| Orange Park | | could afford them significant savings | | others of their property or rights. |
| Palm Harbor | | on their auto insurance. | | |
| Joliet | | | | Open Rating: A system whereby a |
| Fredericksburg | | The quickest and easiest way to | | state allows an insurer to use rates |
| Bakersfield | | shop for new insurance is by | | without prior approval. |
| Conroe | | comparing rates at InsWebs online | | |
| Newark | | marketplace. If you do it the | | Liquidity: The ability of an insurer to |
| Orange | | old-fashioned way (by calling or | | convert its assets into cash to pay |
| Livonia | | visiting multiple agents or insurance | | claims if necessary. |
| Johnstown | | companies) it could take up a huge | | |
| Carlsbad | | chunk of your time, which no one | | Paid-In Surplus: Surplus paid in by |
| Henderson | | wants or needs. By completing | | stockholders, as contrasted with |
| Boston | | InsWebs online application, you will | | surplus earned through the |
| Louisville | | have rates to compare to your old | | operations of a business. |
| Boynton Beach | | ones within minutes! | | |
| Greensboro | | | | Agency Company: An insurance |
| Odessa | | While some companies raise their | | company that produces business |
| Houston | | prices based on your actual age, | | through an agency network. Contrast |
| Daytona Beach | | most companies increase the price of | | with Direct Writer. |
| Wichita | | their policies six months before your | | |
| Overland Park | | birthday. Its a term called Age | | Gross Line: The total limit accepted |
| Clarksville | | Nearest in the industry, and that | | by an insurer on an individual risk, |
| San Francisco | | half-year price increase could really | | including the amount to be reinsured. |
| Alameda | | add up over a 20-year term policy. As | | |
| Gainesville | | above, the quicker you purchase your | | Policy Anniversary: The anniversary |
| Lawrenceville | | policy the better. | | of the date of issue of a policy as |
| Whittier | | | | shown in the policy declarations. |
