| | | | |
|
| Las Vegas | | The quickest and easiest way to | | Earned Income: The money |
| Baton Rouge | | shop for new insurance is by | | individuals earn as a result of working |
| El Paso | | comparing rates at InsWebs online | | at some job or occupation for which |
| Mountain View | | marketplace. If you do it the | | they are paid a salary. |
| York | | old-fashioned way (by calling or | | |
| Jackson | | visiting multiple agents or insurance | | Losses Incurred: The total losses, |
| Albuquerque | | companies) it could take up a huge | | whether paid or not, sustained by an |
| South Bend | | chunk of your time, which no one | | insurer during a given period, e.g., 12 |
| Bay City | | wants or needs. By completing | | months. |
| Phoenix | | InsWebs online application, you will | | |
| Flint | | have rates to compare to your old | | Divided Cover: The placing of |
| Corpus Christi | | ones within minutes! | | insurance on a given subject or |
| Baton Rouge | | | | object with more than one insurer. |
| Des Moines | | The best time to switch policies is | | |
| Little Rock | | within one month of receiving your | | Index Bureau Experience: A measure |
| Costa Mesa | | policy renewal from your current | | of losses relating to claims reported |
| Winter Park | | insurer. You can typically cancel your | | through a claim office during a |
| Shreveport | | policy without any fees or penalties if | | 12-month period. |
| Newark | | you act within this time period. | | |
| Columbus | | | | Notice of Cancellation: Written notice |
| Newport News | | Make sure you have a new policy in | | by an insurer of intent to cancel |
| Greensboro | | place before you cancel your old one | | insurance, or written notice by an |
| Olympia | | to avoid a lapse in coverage. This will | | insured requesting cancellation. |
| Fort Wayne | | also prevent having to figure out the | | |
| Grand Junction | | amount of any unused premium that is | | Domestic Insurer (or Company): An |
| Wilmington | | due to you from your old insurance | | insurer formed under the laws of the |
| Melbourne | | company, or having to spar with your | | state in which the insurance is written. |
| Bellevue | | agent about exactly when your policy | | |
| Toledo | | was cancelled and how much they | | Independent Contractor: One who |
| Pembroke Pines | | owe you. | | agrees to perform according to a |
| Mesquite | | | | contract and who is not an employee. |
| Lafayette | | Life insurance, specifically Term Life, | | |
| Olympia | | is arguably one of the best values in | | Agency Company: An insurance |
| Honolulu | | the entire financial services arena. | | company that produces business |
| Orange Park | | Where else can you go and get | | through an agency network. Contrast |
| Elkhart | | hundreds of thousands of dollars in | | with Direct Writer. |
| Wichita | | protection for literally pennies per | | |
| Columbus | | day? Rates for Term Life insurance | | |
| Wichita Falls | | remain at all-time lows, and now is the | | |
| Silver Spring | | time to lock in the best prices. | | |
