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| Peoria | | We offer quotes for auto insurance, | | Notice of Cancellation: Written notice |
| Newark | | life insurance, homeowners | | by an insurer of intent to cancel |
| Atlanta | | insurance, health insurance, term life | | insurance, or written notice by an |
| Hollywood | | insurance and more. | | insured requesting cancellation. |
| St. Louis | | | | |
| Westbury | | While some companies raise their | | Preferred Risk: Any risk considered |
| Boulder | | prices based on your actual age, | | to be better than the standard risk on |
| Longwood | | most companies increase the price of | | which the premium rate was |
| Harlingen | | their policies six months before your | | calculated. |
| Newburgh | | birthday. Its a term called Age | | |
| Florissant | | Nearest in the industry, and that | | Commercial Lines: This term is used |
| Jersey City | | half-year price increase could really | | to refer to insurance for businesses, |
| Wichita | | add up over a 20-year term policy. As | | professionals, and commercial |
| Redlands | | above, the quicker you purchase your | | establishments. |
| West Chester | | policy the better. | | |
| Delray Beach | | | | Loss Adjustment Expense: The cost |
| Indianapolis | | If you have noticed that your auto | | of adjusting losses, excluding the |
| Bethlehem | | insurance rates are still increasing | | amount of the loss itself. |
| St. Paul | | with each renewal, or even have not | | |
| Youngstown | | gone down even though you have a | | Submitted Business: Applications for |
| Wilmington | | great driving record, this lower pricing | | insurance submitted to an insurer but |
| Johnstown | | trend makes it more important then | | not yet acted upon by it. |
| Stamford | | ever that you shop around for auto | | |
| Dallas | | insurance. | | Losses Incurred: The total losses, |
| Portsmouth | | | | whether paid or not, sustained by an |
| Macon | | The quickest and easiest way to | | insurer during a given period, e.g., 12 |
| Fresno | | shop for new insurance is by | | months. |
| Anderson | | comparing rates at InsWebs online | | |
| Newburgh | | marketplace. If you do it the | | Broker-Agent: One acting as an agent |
| Quincy | | old-fashioned way (by calling or | | of one or more insurers and as a |
| Lorain | | visiting multiple agents or insurance | | broker in dealing with one or more |
| Jackson | | companies) it could take up a huge | | other insurers. |
| Mountain View | | chunk of your time, which no one | | |
| Anaheim | | wants or needs. By completing | | Premium: The price of insurance |
| Mesa | | InsWebs online application, you will | | protection for a specified risk for a |
| Oxnard | | have rates to compare to your old | | specified period of time. |
| Fort Worth | | ones within minutes! | | |
