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| Palm Harbor | | People who are trying to quit | | Losses Incurred: The total losses, |
| Vancouver | | smoking, for example, might be best | | whether paid or not, sustained by an |
| Rome | | suited purchasing a shorter term (and | | insurer during a given period, e.g., 12 |
| Longmont | | then replacing it with a longer term | | months. |
| Carlsbad | | policy when they qualify for | | |
| Raleigh | | non-tobacco prices). | | Will Ride: Coverage that remains in |
| Spokane | | | | effect regardless of the geographical |
| Anderson | | The best time to switch policies is | | location in which a loss occurs. |
| Youngstown | | within one month of receiving your | | |
| Morristown | | policy renewal from your current | | Gross Premium: The net premium |
| Fort Worth | | insurer. You can typically cancel your | | plus operating expenses, |
| Fort Myers | | policy without any fees or penalties if | | commissions and other expenses. |
| Decatur | | you act within this time period. | | |
| Abilene | | | | Losses Outstanding: A summary |
| Biloxi | | At InsWeb, you can compare free | | statement prepared by Property, Life, |
| Duluth | | online insurance quotes from many of | | and Liability insurers showing claims |
| Morristown | | the nations leading insurance | | not yet settled. |
| Edmond | | companies. | | |
| Mesa | | | | Agency: An insurance sales office |
| Lawrenceville | | While some companies raise their | | which is directed by a agent, |
| Aurora | | prices based on your actual age, | | manager, independent agent, or |
| Waterloo | | most companies increase the price of | | company manager. |
| Huntsville | | their policies six months before your | | |
| Phoenix | | birthday. Its a term called Age | | Valuation Clause: A clause stating the |
| Cranston | | Nearest in the industry, and that | | value of items for insurance |
| Rome | | half-year price increase could really | | purposes, making it a valued policy. |
| Waterloo | | add up over a 20-year term policy. As | | |
| Reading | | above, the quicker you purchase your | | Business: In Property, Liability, and |
| San Antonio | | policy the better. | | Health lines, it usually refers to the |
| Springfield | | | | volume of premiums. |
| Tulsa | | We offer quotes for auto insurance, | | |
| Englewood | | life insurance, homeowners | | Building Code: This refers to |
| Spokane | | insurance, health insurance, term life | | municipal or other governmental |
| Torrance | | insurance and more. | | ordinances regulating the type of |
| Valdosta | | | | construction of buildings within its |
| Boca Raton | | | | jurisdiction. |
