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| Knoxville | | The best time to switch policies is | | Time Limits: The limits of time within |
| Worcester | | within one month of receiving your | | which notice of a claim and proof of a |
| Frederick | | policy renewal from your current | | loss must be submitted. |
| Rochester | | insurer. You can typically cancel your | | |
| Santa Rosa | | policy without any fees or penalties if | | Loss Frequency: The number of times |
| Portsmouth | | you act within this time period. | | a loss occurs over a specific period |
| Sacramento | | | | of time. |
| Honolulu | | The quickest and easiest way to | | |
| Chicago | | shop for new insurance is by | | Captive Agent: One who sells |
| White Plains | | comparing rates at InsWebs online | | insurance for only one company as |
| Aurora | | marketplace. If you do it the | | opposed to an agent who represents |
| Overland Park | | old-fashioned way (by calling or | | several companies. |
| Riverside | | visiting multiple agents or insurance | | |
| Southfield | | companies) it could take up a huge | | Gain and Loss Exhibit: The portion of |
| Coral Springs | | chunk of your time, which no one | | the convention blank which |
| Stockton | | wants or needs. By completing | | represents an analysis of gains, |
| Santa Monica | | InsWebs online application, you will | | losses, and surplus during an |
| Jackson | | have rates to compare to your old | | accounting period. |
| New Orleans | | ones within minutes! | | |
| Cambridge | | | | Malinger: To feign a disability for the |
| Manchester | | Make sure you have a new policy in | | purpose of continuing to collect |
| Newburgh | | place before you cancel your old one | | benefits longer than actually |
| Metairie | | to avoid a lapse in coverage. This will | | necessary. |
| Henderson | | also prevent having to figure out the | | |
| Henderson | | amount of any unused premium that is | | Provisional Rate: Tentative rates, |
| Lakeland | | due to you from your old insurance | | premiums or commissions that are |
| Davenport | | company, or having to spar with your | | subject to subsequent adjustment. |
| Jonesboro | | agent about exactly when your policy | | See Commission and Premium. |
| Phoenix | | was cancelled and how much they | | |
| Savannah | | owe you. | | Burning Ratio: The ratio of losses |
| Littleton | | | | suffered to the amount of insurance in |
| Winter Park | | Individuals who have 30-year | | effect. |
| Irvine | | mortgages might want to consider a | | |
| Houma | | 30-year term to ensure that the house | | Sherman Antitrust Act: An antitrust law |
| Vero Beach | | is protected throughout the period of | | from which insurance is exempted to |
| San Jose | | the loan. | | the extent that it is regulated by state |
| San Antonio | | | | law. |
