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| Schaumburg | | The best time to switch policies is | | Admitted Company: An insurance |
| Rochester | | within one month of receiving your | | company authorized and licensed to |
| Saginaw | | policy renewal from your current | | do business in a given state. |
| Morristown | | insurer. You can typically cancel your | | |
| Roanoke | | policy without any fees or penalties if | | Broker of Record: A broker who has |
| Milwaukee | | you act within this time period. | | been designated to handle certain |
| Gainesville | | | | insurance contracts for the |
| Springfield | | At InsWeb, you can compare free | | policyholder. |
| Hampton | | online insurance quotes from many of | | |
| Lake Worth | | the nations leading insurance | | Lapsed Policy: One which has been |
| Long Island City | | companies. | | allowed to expire because of |
| Clinton Township | | | | nonpayment of premiums. |
| Columbus | | Shopping around is the best way to | | |
| Panama City | | save money on your insurance. | | Tabular Plan: A retrospective rating |
| Bradenton | | | | plan, which uses tables to furnish the |
| Jasper | | If you have noticed that your auto | | various values for the rating formula. |
| Macon | | insurance rates are still increasing | | |
| Myrtle Beach | | with each renewal, or even have not | | Losses Outstanding: A summary |
| Youngstown | | gone down even though you have a | | statement prepared by Property, Life, |
| Wilmington | | great driving record, this lower pricing | | and Liability insurers showing claims |
| Greensboro | | trend makes it more important then | | not yet settled. |
| Harlingen | | ever that you shop around for auto | | |
| Brooklyn | | insurance. | | War Risk Insurance: Insurance |
| Trenton | | | | covering damage caused by war. |
| Sunnyvale | | Healthy people have the best | | Most often written by Ocean Marine |
| Livonia | | mortality risks and thus are much | | Insurance companies covering |
| Palo Alto | | cheaper for companies to insure. This | | vessels. |
| Erie | | translates into lower rates for the | | |
| Texarkana | | Super Preferred customer than | | Indemnity: Restoration to the victim of |
| Tempe | | someone with higher risk factors such | | a loss by payment, repair, or |
| Jacksonville | | as a heart condition, cancer or | | replacement. |
| Lakewood | | diabetes. Conversely, if you were | | |
| Tempe | | unhealthy when you acquired your | | Agency Contract (or Agreement): The |
| Harrisburg | | policy, and your health has now | | document which establishes the legal |
| Johnstown | | improved, it might be time to shop for | | relationship between an agent and an |
| Carlsbad | | a new policy, as your rates are likely | | insurer. |
| Lansing | | to be lower. | | |
