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| Sioux Falls | | If you decide to cancel your policy | | Index Bureau Experience: A measure |
| Glendale | | (after acquiring new coverage) | | of losses relating to claims reported |
| Fort Worth | | outside of the 30-day period, you may | | through a claim office during a |
| St. Paul | | have to pay a fee or penalty. | | 12-month period. |
| El Paso | | However, you may still save money | | |
| Hot Springs | | after paying the fee if your new policy | | Losses Outstanding: A summary |
| Evansville | | affords you significant savings. So | | statement prepared by Property, Life, |
| Worcester | | while it is best to wait until your | | and Liability insurers showing claims |
| Wilmington | | receive your renewal notice, you CAN | | not yet settled. |
| Hickory | | cancel your policy at any time. | | |
| Santa Ana | | | | Agent's Balance: A periodic |
| Belleville | | The quickest and easiest way to | | statement of the sums due and owed |
| Pueblo | | shop for new insurance is by | | to an agent under the agent's contract |
| Fairfax | | comparing rates at InsWebs online | | with an insurer. |
| Biloxi | | marketplace. If you do it the | | |
| Durham | | old-fashioned way (by calling or | | Cut Rate: This term generally applies |
| New Orleans | | visiting multiple agents or insurance | | to insurance companies who charge |
| Anderson | | companies) it could take up a huge | | premiums below a normal or average |
| Panama City | | chunk of your time, which no one | | rate. |
| Pembroke Pines | | wants or needs. By completing | | |
| Winter Park | | InsWebs online application, you will | | Earned Income: The money |
| Longwood | | have rates to compare to your old | | individuals earn as a result of working |
| Fort Worth | | ones within minutes! | | at some job or occupation for which |
| Colorado Springs | | | | they are paid a salary. |
| Canton | | Healthy people have the best | | |
| Corpus Christi | | mortality risks and thus are much | | Preferred Risk: Any risk considered |
| Bloomington | | cheaper for companies to insure. This | | to be better than the standard risk on |
| White Plains | | translates into lower rates for the | | which the premium rate was |
| Lansing | | Super Preferred customer than | | calculated. |
| Sarasota | | someone with higher risk factors such | | |
| Zanesville | | as a heart condition, cancer or | | Standard Industry Code (SIC): This is |
| Mobile | | diabetes. Conversely, if you were | | a coding system which assigns |
| Cambridge | | unhealthy when you acquired your | | separate codes for different types of |
| Goldsboro | | policy, and your health has now | | industries. |
| Dothan | | improved, it might be time to shop for | | |
| Venice | | a new policy, as your rates are likely | | |
| Torrance | | to be lower. | | |
