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| Charleston | | The quickest and easiest way to | | Inspection: Independent checking on |
| Mansfield | | shop for new insurance is by | | facts about an applicant, |
| Portsmouth | | comparing rates at InsWebs online | | policyholder, or claimant, usually by a |
| Schaumburg | | marketplace. If you do it the | | commercial inspection agency. |
| Fayetteville | | old-fashioned way (by calling or | | |
| Spokane | | visiting multiple agents or insurance | | Broker of Record: A broker who has |
| Cambridge | | companies) it could take up a huge | | been designated to handle certain |
| Columbia | | chunk of your time, which no one | | insurance contracts for the |
| Bellevue | | wants or needs. By completing | | policyholder. |
| Scranton | | InsWebs online application, you will | | |
| Thousand Oaks | | have rates to compare to your old | | Coding: A method of putting |
| Carlsbad | | ones within minutes! | | information into a numerical form for |
| Wilmington | | | | statistical use. Most information on |
| Fayetteville | | While some companies raise their | | policies is coded and then put into |
| Lafayette | | prices based on your actual age, | | reports. |
| Minneapolis | | most companies increase the price of | | |
| Dubuque | | their policies six months before your | | Operating Expense: The expense of |
| Ogden | | birthday. Its a term called Age | | an insurer other than commissions |
| Billings | | Nearest in the industry, and that | | and taxes. Called " and Insurance |
| Bronx | | half-year price increase could really | | Expense" in the convention statement |
| San Antonio | | add up over a 20-year term policy. As | | blank. |
| Inglewood | | above, the quicker you purchase your | | |
| Kansas City | | policy the better. | | Underwriters Laboratories, Inc. (UL): A |
| Ann Arbor | | | | testing laboratory for manufactured |
| High Point | | The best time to switch policies is | | items to determine their safety |
| New Port Richey | | within one month of receiving your | | propensities. |
| Delray Beach | | policy renewal from your current | | |
| Fremont | | insurer. You can typically cancel your | | Monoline Policy: Any insurance |
| Lakewood | | policy without any fees or penalties if | | coverage written as a single line |
| Fort Collins | | you act within this time period. | | policy. Contrast with Multiple Line or |
| Mobile | | | | Package policy. |
| Orlando | | Why not take advantage of current | | |
| Cranston | | low prices? Many auto insurance | | Public Adjuster: An insurance adjuster |
| Wichita | | consumers are becoming educated | | who represents an insured on a fee |
| Allentown | | on other companies, plans, and rates | | basis in claims settlement. Contrast |
| Chicago | | that are available to them; ones that | | with Independent Adjuster. |
| Baltimore | | could afford them significant savings | | |
| Jackson | | on their auto insurance. | | |
