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| Clearwater | | At InsWeb, you can compare free | | American Risk and Insurance |
| Schenectady | | online insurance quotes from many of | | Association: An association of |
| Wichita | | the nations leading insurance | | insurance educators and others |
| Olympia | | companies. | | interested in insurance study and |
| Mobile | | | | research. |
| Rochester | | Healthy people have the best | | |
| Phoenix | | mortality risks and thus are much | | Burning Ratio: The ratio of losses |
| Bethlehem | | cheaper for companies to insure. This | | suffered to the amount of insurance in |
| Lafayette | | translates into lower rates for the | | effect. |
| Denver | | Super Preferred customer than | | |
| York | | someone with higher risk factors such | | Will Ride: Coverage that remains in |
| Beaumont | | as a heart condition, cancer or | | effect regardless of the geographical |
| High Point | | diabetes. Conversely, if you were | | location in which a loss occurs. |
| Colorado Springs | | unhealthy when you acquired your | | |
| Racine | | policy, and your health has now | | Nonadmitted Insurer: An insurer not |
| Poughkeepsie | | improved, it might be time to shop for | | licensed to do business in the |
| Virginia Beach | | a new policy, as your rates are likely | | jurisdiction in question. Same as |
| Stockton | | to be lower. | | Unauthorized Insurer and Unlicensed |
| San Antonio | | | | Insurer. |
| Sacramento | | The best time to switch policies is | | |
| Saginaw | | within one month of receiving your | | Expense Allowance: A compensation |
| Milwaukee | | policy renewal from your current | | paid to an insurance agent in excess |
| Acworth | | insurer. You can typically cancel your | | of prescribed commissions. |
| Fredericksburg | | policy without any fees or penalties if | | |
| New Orleans | | you act within this time period. | | Liquidity: The ability of an insurer to |
| Jonesboro | | | | convert its assets into cash to pay |
| Anderson | | Make sure you have a new policy in | | claims if necessary. |
| Long Island City | | place before you cancel your old one | | |
| Frederick | | to avoid a lapse in coverage. This will | | Commingling: An illegal practice |
| Jackson | | also prevent having to figure out the | | which occurs when an agent mixes |
| Memphis | | amount of any unused premium that is | | personal funds with the insured's or |
| Cape Coral | | due to you from your old insurance | | insurer's funds. |
| Belleville | | company, or having to spar with your | | |
| Mesquite | | agent about exactly when your policy | | Notice of Cancellation: Written notice |
| Wichita | | was cancelled and how much they | | by an insurer of intent to cancel |
| Metairie | | owe you. | | insurance, or written notice by an |
| West Chester | | | | insured requesting cancellation. |
