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| Alexandria | | The quickest and easiest way to | | Basic Rate: The manual rate from |
| Santa Ana | | shop for new insurance is by | | which discounts are taken or to which |
| Irving | | comparing rates at InsWebs online | | charges are added to reflect the |
| Tallahassee | | marketplace. If you do it the | | individual circumstances of a risk. |
| Dothan | | old-fashioned way (by calling or | | |
| Scranton | | visiting multiple agents or insurance | | Agency Company: An insurance |
| Kansas City | | companies) it could take up a huge | | company that produces business |
| Santa Clara | | chunk of your time, which no one | | through an agency network. Contrast |
| West Palm Beach | | wants or needs. By completing | | with Direct Writer. |
| York | | InsWebs online application, you will | | |
| Delray Beach | | have rates to compare to your old | | Broker of Record: A broker who has |
| Eugene | | ones within minutes! | | been designated to handle certain |
| Winter Park | | | | insurance contracts for the |
| Dothan | | Individuals who have 30-year | | policyholder. |
| Detroit | | mortgages might want to consider a | | |
| Nashville | | 30-year term to ensure that the house | | Substandard Risk: A risk not |
| Lowell | | is protected throughout the period of | | measuring up to underwriting |
| Birmingham | | the loan. | | standards. It may still be written but |
| Dallas | | | | usually at a surcharged premium. |
| Frederick | | The best time to switch policies is | | |
| Mansfield | | within one month of receiving your | | Provisional Rate: Tentative rates, |
| Fort Wayne | | policy renewal from your current | | premiums or commissions that are |
| Muskegon | | insurer. You can typically cancel your | | subject to subsequent adjustment. |
| Columbus | | policy without any fees or penalties if | | See Commission and Premium. |
| Grand Junction | | you act within this time period. | | |
| El Cajon | | | | Convention Values: Values assigned |
| Fall River | | We offer quotes for auto insurance, | | to insurers' assets in the convention |
| North Hollywood | | life insurance, homeowners | | blank. |
| Hickory | | insurance, health insurance, term life | | |
| Flint | | insurance and more. | | Burning Ratio: The ratio of losses |
| Gainesville | | | | suffered to the amount of insurance in |
| Sioux Falls | | Why not take advantage of current | | effect. |
| Columbia | | low prices? Many auto insurance | | |
| Edison | | consumers are becoming educated | | Claim: A demand made by the |
| Boise | | on other companies, plans, and rates | | insured, or the insured's beneficiary, |
| Palm Harbor | | that are available to them; ones that | | for payment of the benefits provided |
| Quincy | | could afford them significant savings | | by the contract. |
| Montgomery | | on their auto insurance. | | |
