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| Tallahassee | | If you decide to cancel your policy | | Index Bureau Experience: A measure |
| Escondido | | (after acquiring new coverage) | | of losses relating to claims reported |
| Cypress | | outside of the 30-day period, you may | | through a claim office during a |
| Knoxville | | have to pay a fee or penalty. | | 12-month period. |
| Springfield | | However, you may still save money | | |
| Dothan | | after paying the fee if your new policy | | Examiner: An employee assigned by |
| Newport Beach | | affords you significant savings. So | | the state insurance department to |
| Sioux Falls | | while it is best to wait until your | | audit insurers' records. |
| Pasadena | | receive your renewal notice, you CAN | | |
| Glendale | | cancel your policy at any time. | | Shock Loss: A catastrophic loss so |
| Spokane | | | | large that it has a material effect on |
| San Diego | | We offer quotes for auto insurance, | | the underwriting results of a company. |
| Springfield | | life insurance, homeowners | | |
| Daytona Beach | | insurance, health insurance, term life | | Valuation Clause: A clause stating the |
| Duluth | | insurance and more. | | value of items for insurance |
| Anderson | | | | purposes, making it a valued policy. |
| Long Beach | | While some companies raise their | | |
| Boca Raton | | prices based on your actual age, | | Indemnity: Restoration to the victim of |
| Little Rock | | most companies increase the price of | | a loss by payment, repair, or |
| Milwaukee | | their policies six months before your | | replacement. |
| Alameda | | birthday. Its a term called Age | | |
| Bloomington | | Nearest in the industry, and that | | Lapsed Policy: One which has been |
| Lexington | | half-year price increase could really | | allowed to expire because of |
| Zanesville | | add up over a 20-year term policy. As | | nonpayment of premiums. |
| Norwalk | | above, the quicker you purchase your | | |
| Philadelphia | | policy the better. | | Brokerage Department: A department |
| Peoria | | | | of an insurer whose purpose is to |
| Albany | | At InsWeb, you can compare free | | deal with brokers in the placing of |
| Bayside | | online insurance quotes from many of | | insurance. |
| Worcester | | the nations leading insurance | | |
| Boulder | | companies. | | Provisional Rate: Tentative rates, |
| Fullerton | | | | premiums or commissions that are |
| Jasper | | People who are trying to quit | | subject to subsequent adjustment. |
| Macon | | smoking, for example, might be best | | See Commission and Premium. |
| Chicago | | suited purchasing a shorter term (and | | |
| Ogden | | then replacing it with a longer term | | |
| Escondido | | policy when they qualify for | | |
| Erie | | non-tobacco prices). | | |
