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| Norfolk | | Make sure you have a new policy in | | Brokerage Department: A department |
| Boise | | place before you cancel your old one | | of an insurer whose purpose is to |
| Dearborn | | to avoid a lapse in coverage. This will | | deal with brokers in the placing of |
| Lancaster | | also prevent having to figure out the | | insurance. |
| St. Joseph | | amount of any unused premium that is | | |
| Fayetteville | | due to you from your old insurance | | Expense Allowance: A compensation |
| Houston | | company, or having to spar with your | | paid to an insurance agent in excess |
| Chesapeake | | agent about exactly when your policy | | of prescribed commissions. |
| Sacramento | | was cancelled and how much they | | |
| Santa Clara | | owe you. | | Business: In Property, Liability, and |
| New Port Richey | | | | Health lines, it usually refers to the |
| Chesapeake | | If you have noticed that your auto | | volume of premiums. |
| Quincy | | insurance rates are still increasing | | |
| Hendersonville | | with each renewal, or even have not | | Domestic Insurer (or Company): An |
| Livonia | | gone down even though you have a | | insurer formed under the laws of the |
| Baton Rouge | | great driving record, this lower pricing | | state in which the insurance is written. |
| Chula Vista | | trend makes it more important then | | |
| Fort Myers | | ever that you shop around for auto | | Commingling: An illegal practice |
| Jonesboro | | insurance. | | which occurs when an agent mixes |
| Florissant | | | | personal funds with the insured's or |
| Memphis | | Everyone has different needs, and | | insurer's funds. |
| Cookeville | | not one size fits all when it comes to | | |
| San Francisco | | term life insurance. While it may make | | Dual Life Stock Company: A stock |
| Aurora | | sense for people in their 30s and 40s | | Life insurer issuing both participating |
| Ocala | | to secure a 20-year term length, a | | and nonparticipating policy contracts. |
| Topeka | | 10-year term might be more | | |
| New Port Richey | | appropriate for someone nearing | | Single Limit: Any insurance coverage |
| Syracuse | | retirement. | | which is expressed as a single |
| Englewood | | | | amount of insurance, or a single limit |
| Englewood | | The quickest and easiest way to | | of liability. Contrast with Split Limit. |
| Akron | | shop for new insurance is by | | |
| Sioux City | | comparing rates at InsWebs online | | Loss Frequency: The number of times |
| Livonia | | marketplace. If you do it the | | a loss occurs over a specific period |
| Pensacola | | old-fashioned way (by calling or | | of time. |
| Lexington | | visiting multiple agents or insurance | | |
| Walnut Creek | | companies) it could take up a huge | | |
| Goldsboro | | chunk of your time, which no one | | |
| Stamford | | wants or needs. By completing | | |
| Mountain View | | InsWebs online application, you will | | |
| High Point | | have rates to compare to your old | | |
| Flushing | | ones within minutes! | | |
