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| Lubbock | | While some companies raise their | | Exclusions: Specific situations, |
| Fort Collins | | prices based on your actual age, | | conditions, or circumstances that are |
| Lake Charles | | most companies increase the price of | | listed in the contract as being not |
| Schaumburg | | their policies six months before your | | covered. |
| Sunnyvale | | birthday. Its a term called Age | | |
| Wichita Falls | | Nearest in the industry, and that | | Insurance to Value: Insurance written |
| Hampton | | half-year price increase could really | | in an amount approximating the value |
| Raleigh | | add up over a 20-year term policy. As | | of the property insured. |
| Palm Desert | | above, the quicker you purchase your | | |
| Lake Worth | | policy the better. | | Business: In Property, Liability, and |
| Stamford | | | | Health lines, it usually refers to the |
| Dallas | | The quickest and easiest way to | | volume of premiums. |
| Providence | | shop for new insurance is by | | |
| Abilene | | comparing rates at InsWebs online | | Coding: A method of putting |
| Palm Desert | | marketplace. If you do it the | | information into a numerical form for |
| Savannah | | old-fashioned way (by calling or | | statistical use. Most information on |
| Staten Island | | visiting multiple agents or insurance | | policies is coded and then put into |
| Cookeville | | companies) it could take up a huge | | reports. |
| Richmond | | chunk of your time, which no one | | |
| Boulder | | wants or needs. By completing | | Collusion: An agreement, usually |
| Clarksville | | InsWebs online application, you will | | secret, between two or more persons |
| Lakewood | | have rates to compare to your old | | to defraud or deprive another or |
| Kingsport | | ones within minutes! | | others of their property or rights. |
