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| Fredericksburg | | The quickest and easiest way to | | Malicious Mischief: Similar to |
| Melbourne | | shop for new insurance is by | | vandalism. Purposely damaging the |
| Boynton Beach | | comparing rates at InsWebs online | | rights or property of another. |
| West Chester | | marketplace. If you do it the | | |
| West Palm Beach | | old-fashioned way (by calling or | | Expense Allowance: A compensation |
| Montgomery | | visiting multiple agents or insurance | | paid to an insurance agent in excess |
| Gainesville | | companies) it could take up a huge | | of prescribed commissions. |
| Albuquerque | | chunk of your time, which no one | | |
| Salt Lake City | | wants or needs. By completing | | Federal Deposit Insurance |
| Stockbridge | | InsWebs online application, you will | | Corporation (FDIC): An agency of the |
| Palo Alto | | have rates to compare to your old | | federal government which insures |
| New Port Richey | | ones within minutes! | | bank deposits up to a stated |
| New York | | | | maximum. |
| Fredericksburg | | If you have noticed that your auto | | |
| Clearwater | | insurance rates are still increasing | | Tabular Plan: A retrospective rating |
| Coral Springs | | with each renewal, or even have not | | plan, which uses tables to furnish the |
| San Bernardino | | gone down even though you have a | | various values for the rating formula. |
| Rockford | | great driving record, this lower pricing | | |
| Fremont | | trend makes it more important then | | Provisional Rate: Tentative rates, |
| Westbury | | ever that you shop around for auto | | premiums or commissions that are |
| Glendale | | insurance. | | subject to subsequent adjustment. |
| Flint | | | | See Commission and Premium. |
| New Port Richey | | Individuals who have 30-year | | |
| Marietta | | mortgages might want to consider a | | Time Limits: The limits of time within |
| Pittsburgh | | 30-year term to ensure that the house | | which notice of a claim and proof of a |
| Salem | | is protected throughout the period of | | loss must be submitted. |
| Jasper | | the loan. | | |
| Louisville | | | | Insolvent Insurer: An insurer which is |
| Worcester | | Healthy people have the best | | unable to meet its financial |
| Cookeville | | mortality risks and thus are much | | obligations. |
| North Hollywood | | cheaper for companies to insure. This | | |
| Indianapolis | | translates into lower rates for the | | Book Value: Refers to the value of |
| Fort Smith | | Super Preferred customer than | | assets as shown in the official |
| Flushing | | someone with higher risk factors such | | accounting records of the company. |
| South Bend | | as a heart condition, cancer or | | |
| Jacksonville | | diabetes. Conversely, if you were | | |
| Valdosta | | unhealthy when you acquired your | | |
| Miami | | policy, and your health has now | | |
| Winter Haven | | improved, it might be time to shop for | | |
| Stuart | | a new policy, as your rates are likely | | |
| Monroe | | to be lower. | | |
