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| Hattiesburg | | People who are trying to quit | | Insurance Policy: The printed form |
| Monroe | | smoking, for example, might be best | | which serves as the contract between |
| Pasadena | | suited purchasing a shorter term (and | | an insurer and an insured. |
| Fort Worth | | then replacing it with a longer term | | |
| Mobile | | policy when they qualify for | | Brick Veneer Construction: Refers to |
| Longmont | | non-tobacco prices). | | a building where the outside walls are |
| Tucson | | | | constructed of wood with a facing of a |
| Owensboro | | At InsWeb, you can compare free | | single layer of brick. |
| Brooklyn | | online insurance quotes from many of | | |
| Boston | | the nations leading insurance | | Interstate Carrier: A transportation |
| Sacramento | | companies. | | company which does business |
| Tuscaloosa | | | | across state lines. |
| Owensboro | | The best time to switch policies is | | |
| Asheville | | within one month of receiving your | | Claim Report: A report filed by an |
| Long Beach | | policy renewal from your current | | agent setting forth the facts of a claim. |
| Williamsport | | insurer. You can typically cancel your | | Same as Loss Report. |
| Canton | | policy without any fees or penalties if | | |
| Waterloo | | you act within this time period. | | Short-Term Policy: A policy written for |
| Bethlehem | | | | a period of less time than is normal for |
| Williamsport | | If you decide to cancel your policy | | that type of policy. |
| Odessa | | (after acquiring new coverage) | | |
| Tucson | | outside of the 30-day period, you may | | Expense Allowance: A compensation |
| Virginia Beach | | have to pay a fee or penalty. | | paid to an insurance agent in excess |
| Tulsa | | However, you may still save money | | of prescribed commissions. |
| Syracuse | | after paying the fee if your new policy | | |
| Sarasota | | affords you significant savings. So | | Gross Premium: The net premium |
| Yuma | | while it is best to wait until your | | plus operating expenses, |
| Riverside | | receive your renewal notice, you CAN | | commissions and other expenses. |
| Dallas | | cancel your policy at any time. | | |
| West Palm Beach | | | | Partial Loss: A loss covered by an |
| Scranton | | While some companies raise their | | insurance policy which does not |
| Yonkers | | prices based on your actual age, | | completely destroy or render |
| Lowell | | most companies increase the price of | | worthless the insured property. |
| Kingsport | | their policies six months before your | | |
| Abilene | | birthday. Its a term called Age | | |
| Naperville | | Nearest in the industry, and that | | |
| Modesto | | half-year price increase could really | | |
| Columbus | | add up over a 20-year term policy. As | | |
| Wichita Falls | | above, the quicker you purchase your | | |
| Walnut Creek | | policy the better. | | |
