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| Cookeville | | At InsWeb, you can compare free | | Collusion: An agreement, usually |
| Charleston | | online insurance quotes from many of | | secret, between two or more persons |
| San Diego | | the nations leading insurance | | to defraud or deprive another or |
| North Hollywood | | companies. | | others of their property or rights. |
| Winter Haven | | | | |
| Memphis | | Make sure you have a new policy in | | Basic Rate: The manual rate from |
| Newark | | place before you cancel your old one | | which discounts are taken or to which |
| Seattle | | to avoid a lapse in coverage. This will | | charges are added to reflect the |
| Raleigh | | also prevent having to figure out the | | individual circumstances of a risk. |
| Muskegon | | amount of any unused premium that is | | |
| Arlington | | due to you from your old insurance | | Admitted Company: An insurance |
| Monroe | | company, or having to spar with your | | company authorized and licensed to |
| Duluth | | agent about exactly when your policy | | do business in a given state. |
| Fall River | | was cancelled and how much they | | |
| Staten Island | | owe you. | | Cut Rate: This term generally applies |
| Sterling Heights | | | | to insurance companies who charge |
| Dearborn | | Individuals who have 30-year | | premiums below a normal or average |
| Philadelphia | | mortgages might want to consider a | | rate. |
| Thousand Oaks | | 30-year term to ensure that the house | | |
| Nashville | | is protected throughout the period of | | Absolute Assignment: Assignment by |
| Tulsa | | the loan. | | a policy owner of all control of and |
| Edmond | | | | rights in the policy to a third party. |
| Greenville | | While some companies raise their | | |
| Muncie | | prices based on your actual age, | | Net Interest Earned: The average |
| Salt Lake City | | most companies increase the price of | | interest earned by an insurer on its |
| Reading | | their policies six months before your | | investments after investment expense |
| Florissant | | birthday. Its a term called Age | | but before federal income taxes. |
| Indianapolis | | Nearest in the industry, and that | | |
| Chattanooga | | half-year price increase could really | | Fictitious Groups: Groups formed |
| Orange | | add up over a 20-year term policy. As | | primarily for the purpose of buying |
| Decatur | | above, the quicker you purchase your | | insurance. Under the law such groups |
| Cleveland | | policy the better. | | may not be underwritten. |
