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| Alameda | | The quickest and easiest way to | | Initial Premium: An amount paid at the |
| Portsmouth | | shop for new insurance is by | | inception of an insurance contract, |
| Coral Springs | | comparing rates at InsWebs online | | usually subject to adjustment at the |
| Lorain | | marketplace. If you do it the | | end of the policy period. |
| Canton | | old-fashioned way (by calling or | | |
| Green Bay | | visiting multiple agents or insurance | | Net Loss: The amount of loss |
| Shreveport | | companies) it could take up a huge | | sustained by an insurer after giving |
| North Hollywood | | chunk of your time, which no one | | effect to all applicable reinsurance, |
| Garland | | wants or needs. By completing | | salvage, and subrogation recoveries. |
| Riverside | | InsWebs online application, you will | | |
| Anchorage | | have rates to compare to your old | | Loss Adjustment Expense: The cost |
| Jonesboro | | ones within minutes! | | of adjusting losses, excluding the |
| Colorado Springs | | | | amount of the loss itself. |
| Indianapolis | | If you have noticed that your auto | | |
| Gainesville | | insurance rates are still increasing | | Accidental Bodily Injury: An injury |
| Delray Beach | | with each renewal, or even have not | | sustained accidentally. Only the result |
| Harrisburg | | gone down even though you have a | | need be accidental. Contrast with |
| Youngstown | | great driving record, this lower pricing | | Accidental Means. |
| Akron | | trend makes it more important then | | |
| Orange Park | | ever that you shop around for auto | | Burning Ratio: The ratio of losses |
| West Palm Beach | | insurance. | | suffered to the amount of insurance in |
| Newport News | | | | effect. |
| Des Moines | | Why not take advantage of current | | |
| San Antonio | | low prices? Many auto insurance | | Losses Outstanding: A summary |
| Stamford | | consumers are becoming educated | | statement prepared by Property, Life, |
| San Bernardino | | on other companies, plans, and rates | | and Liability insurers showing claims |
| Independence | | that are available to them; ones that | | not yet settled. |
| Westbury | | could afford them significant savings | | |
| Canton | | on their auto insurance. | | Coding: A method of putting |
| Long Beach | | | | information into a numerical form for |
| Reno | | While some companies raise their | | statistical use. Most information on |
| Littleton | | prices based on your actual age, | | policies is coded and then put into |
| Fullerton | | most companies increase the price of | | reports. |
| Montgomery | | their policies six months before your | | |
| West Palm Beach | | birthday. Its a term called Age | | |
| Conroe | | Nearest in the industry, and that | | |
| Odessa | | half-year price increase could really | | |
| Toms River | | add up over a 20-year term policy. As | | |
| Dothan | | above, the quicker you purchase your | | |
| Elkhart | | policy the better. | | |
