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| Tampa | | People who are trying to quit | | Broker-Agent: One acting as an agent |
| Akron | | smoking, for example, might be best | | of one or more insurers and as a |
| Tyler | | suited purchasing a shorter term (and | | broker in dealing with one or more |
| Fremont | | then replacing it with a longer term | | other insurers. |
| Lowell | | policy when they qualify for | | |
| Fayetteville | | non-tobacco prices). | | Calendar Year Experience: This |
| Alpharetta | | | | measures the premiums and losses |
| Cape Coral | | If you have noticed that your auto | | entered on accounting records during |
| New York | | insurance rates are still increasing | | the 12-month calendar. |
| Eugene | | with each renewal, or even have not | | |
| Tempe | | gone down even though you have a | | FICA. Federal Insurance Contributions |
| Panama City | | great driving record, this lower pricing | | Act: A law imposing a payroll tax to |
| Gainesville | | trend makes it more important then | | assist in funding Social Security |
| Venice | | ever that you shop around for auto | | benefits. |
| Dayton | | insurance. | | |
| Bethlehem | | | | Premises: The particular location of |
| High Point | | The quickest and easiest way to | | property or a portion thereof as |
| Des Moines | | shop for new insurance is by | | designated in a policy. |
| San Francisco | | comparing rates at InsWebs online | | |
| Orlando | | marketplace. If you do it the | | Exclusions: Specific situations, |
| Plano | | old-fashioned way (by calling or | | conditions, or circumstances that are |
| St. Joseph | | visiting multiple agents or insurance | | listed in the contract as being not |
| Ann Arbor | | companies) it could take up a huge | | covered. |
| Bay City | | chunk of your time, which no one | | |
| Baltimore | | wants or needs. By completing | | Capital Sum: The maximum lump sum |
| Acworth | | InsWebs online application, you will | | payable in the event of accidental |
| Fresno | | have rates to compare to your old | | death or dismemberment. |
| Muskegon | | ones within minutes! | | |
| Fort Smith | | | | Convention Values: Values assigned |
| Louisville | | Make sure you have a new policy in | | to insurers' assets in the convention |
| Olympia | | place before you cancel your old one | | blank. |
| Dallas | | to avoid a lapse in coverage. This will | | |
| Shreveport | | also prevent having to figure out the | | Absolute Assignment: Assignment by |
| Santa Ana | | amount of any unused premium that is | | a policy owner of all control of and |
| Overland Park | | due to you from your old insurance | | rights in the policy to a third party. |
| Houston | | company, or having to spar with your | | |
| Olympia | | agent about exactly when your policy | | |
| Harlingen | | was cancelled and how much they | | |
| New Orleans | | owe you. | | |
