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| Henderson | | While some companies raise their | | Agency Company: An insurance |
| Tyler | | prices based on your actual age, | | company that produces business |
| Fort Myers | | most companies increase the price of | | through an agency network. Contrast |
| Providence | | their policies six months before your | | with Direct Writer. |
| Springfield | | birthday. Its a term called Age | | |
| Poughkeepsie | | Nearest in the industry, and that | | Professional Insurance Agents |
| Edmond | | half-year price increase could really | | Association: A trade association of |
| Boulder | | add up over a 20-year term policy. As | | mutual insurance agents. |
| Chattanooga | | above, the quicker you purchase your | | |
| Manchester | | policy the better. | | Indemnity: Restoration to the victim of |
| Clinton Township | | | | a loss by payment, repair, or |
| Portsmouth | | The quickest and easiest way to | | replacement. |
| Louisville | | shop for new insurance is by | | |
| Las Cruces | | comparing rates at InsWebs online | | Effective Date: The date on which the |
| Gulfport | | marketplace. If you do it the | | protection of an insurance policy or |
| Jackson | | old-fashioned way (by calling or | | bond goes into effect. |
| Long Island City | | visiting multiple agents or insurance | | |
| Tacoma | | companies) it could take up a huge | | Valuation Clause: A clause stating the |
| Tulsa | | chunk of your time, which no one | | value of items for insurance |
| Bloomington | | wants or needs. By completing | | purposes, making it a valued policy. |
| Cookeville | | InsWebs online application, you will | | |
| Decatur | | have rates to compare to your old | | Criticism: A correction suggested by a |
| Waterloo | | ones within minutes! | | rating or auditing bureau to an insurer. |
