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| Fredericksburg | | The quickest and easiest way to | | Sole Proprietorship: A business |
| Downey | | shop for new insurance is by | | enterprise owned by one person who |
| Peoria | | comparing rates at InsWebs online | | is its manager and employee. |
| Albuquerque | | marketplace. If you do it the | | |
| Johnstown | | old-fashioned way (by calling or | | Claim Expense: The expense of |
| Spokane | | visiting multiple agents or insurance | | adjusting a claim, such as |
| Norfolk | | companies) it could take up a huge | | investigation and attorneys' fees. It |
| Hot Springs | | chunk of your time, which no one | | does not include the cost of the claim |
| Bethlehem | | wants or needs. By completing | | itself. |
| Inglewood | | InsWebs online application, you will | | |
| Santa Ana | | have rates to compare to your old | | Not Taken: Policies applied for and |
| Palm Desert | | ones within minutes! | | issued but rejected by the proposed |
| Poughkeepsie | | | | owner and not paid for. |
| Toms River | | Shopping around is the best way to | | |
| Akron | | save money on your insurance. | | Liquidity: The ability of an insurer to |
| Pembroke Pines | | | | convert its assets into cash to pay |
| Palm Desert | | Individuals who have 30-year | | claims if necessary. |
| Burbank | | mortgages might want to consider a | | |
| Bradenton | | 30-year term to ensure that the house | | Interline Endorsement: Commercial |
| Midland | | is protected throughout the period of | | endorsements that apply, or could |
| Melbourne | | the loan. | | apply, to more than one coverage |
| Texarkana | | | | part of a package policy. |
| Greenville | | Healthy people have the best | | |
| Chicago | | mortality risks and thus are much | | Mutualization: The process of |
| Lancaster | | cheaper for companies to insure. This | | converting a stock insurer to a mutual |
| Austin | | translates into lower rates for the | | insurer, accomplished by having the |
| Albany | | Super Preferred customer than | | insurer buy stock and retire it. |
| Muskegon | | someone with higher risk factors such | | |
| Naples | | as a heart condition, cancer or | | Appraisal: An evaluation of property |
| Mesquite | | diabetes. Conversely, if you were | | made to ascertain either the |
| Youngstown | | unhealthy when you acquired your | | appropriate amount of insurance to |
| Fremont | | policy, and your health has now | | be written or the amount of loss to be |
| Cookeville | | improved, it might be time to shop for | | paid. |
| Overland Park | | a new policy, as your rates are likely | | |
| Canton | | to be lower. | | |
