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| Fall River | | Shopping around is the best way to | | Lloyd's Broker: A person who has the |
| Costa Mesa | | save money on your insurance. | | authority to negotiate insurance |
| Syracuse | | | | contracts with the underwriters on the |
| Quincy | | Make sure you have a new policy in | | floor at Lloyd's. |
| Hot Springs | | place before you cancel your old one | | |
| Downey | | to avoid a lapse in coverage. This will | | Operating Expense: The expense of |
| Portsmouth | | also prevent having to figure out the | | an insurer other than commissions |
| Midland | | amount of any unused premium that is | | and taxes. Called " and Insurance |
| Dearborn | | due to you from your old insurance | | Expense" in the convention statement |
| Baton Rouge | | company, or having to spar with your | | blank. |
| Longmont | | agent about exactly when your policy | | |
| Sioux City | | was cancelled and how much they | | Retrospective Premium: The final |
| Jackson | | owe you. | | premium in a retrospective rating |
| Columbia | | | | plan. See Retrospective Rating. |
| Oklahoma City | | The quickest and easiest way to | | |
| Columbus | | shop for new insurance is by | | Business: In Property, Liability, and |
| Springfield | | comparing rates at InsWebs online | | Health lines, it usually refers to the |
| Lorain | | marketplace. If you do it the | | volume of premiums. |
| Oceanside | | old-fashioned way (by calling or | | |
| Sacramento | | visiting multiple agents or insurance | | Liquidity: The ability of an insurer to |
| Indianapolis | | companies) it could take up a huge | | convert its assets into cash to pay |
| Grand Prairie | | chunk of your time, which no one | | claims if necessary. |
| Santa Rosa | | wants or needs. By completing | | |
| Newport Beach | | InsWebs online application, you will | | Will Ride: Coverage that remains in |
| Palo Alto | | have rates to compare to your old | | effect regardless of the geographical |
| Fort Wayne | | ones within minutes! | | location in which a loss occurs. |
