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| Cedar Rapids | | If you have noticed that your auto | | Malinger: To feign a disability for the |
| Duluth | | insurance rates are still increasing | | purpose of continuing to collect |
| Yuma | | with each renewal, or even have not | | benefits longer than actually |
| Asheville | | gone down even though you have a | | necessary. |
| Midland | | great driving record, this lower pricing | | |
| Greenville | | trend makes it more important then | | Multi-Peril Policies: Policies which |
| Rockford | | ever that you shop around for auto | | cover a number of perils, such as fire, |
| Williamsburg | | insurance. | | burglary, and liability, in a single |
| Saginaw | | | | contract. |
| Portland | | Why not take advantage of current | | |
| San Antonio | | low prices? Many auto insurance | | Incurred Expense: Expenses not yet |
| Long Island City | | consumers are becoming educated | | paid. Can also include paid |
| Tyler | | on other companies, plans, and rates | | expenses in some accounting |
| Troy | | that are available to them; ones that | | systems. |
| Rochester | | could afford them significant savings | | |
| Fresno | | on their auto insurance. | | Calendar Year Experience: This |
| Escondido | | | | measures the premiums and losses |
| Rochester | | The quickest and easiest way to | | entered on accounting records during |
| Newark | | shop for new insurance is by | | the 12-month calendar. |
| Buffalo | | comparing rates at InsWebs online | | |
| Gaithersburg | | marketplace. If you do it the | | Claim Report: A report filed by an |
| Racine | | old-fashioned way (by calling or | | agent setting forth the facts of a claim. |
| Sioux Falls | | visiting multiple agents or insurance | | Same as Loss Report. |
| Miami | | companies) it could take up a huge | | |
| San Diego | | chunk of your time, which no one | | Independent Agent: An agent |
| Escondido | | wants or needs. By completing | | operating as an independent |
| Inglewood | | InsWebs online application, you will | | contractor under the independent |
| Newburgh | | have rates to compare to your old | | agency system. |
| Rapid City | | ones within minutes! | | |
| Lexington | | | | Interstate Carrier: A transportation |
| Scranton | | Healthy people have the best | | company which does business |
| Hemet | | mortality risks and thus are much | | across state lines. |
| Jackson | | cheaper for companies to insure. This | | |
| Waterloo | | translates into lower rates for the | | Time Limits: The limits of time within |
| Turlock | | Super Preferred customer than | | which notice of a claim and proof of a |
| Lansing | | someone with higher risk factors such | | loss must be submitted. |
| Madison | | as a heart condition, cancer or | | |
| Evanston | | diabetes. Conversely, if you were | | |
| Flushing | | unhealthy when you acquired your | | |
| Stockbridge | | policy, and your health has now | | |
| Silver Spring | | improved, it might be time to shop for | | |
| Orlando | | a new policy, as your rates are likely | | |
| Fort Myers | | to be lower. | | |
