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| Sumter | | The quickest and easiest way to | | Authorized Insurer: An insurer |
| Mesquite | | shop for new insurance is by | | authorized by the state to transact |
| Reno | | comparing rates at InsWebs online | | business in that state for specific |
| Boston | | marketplace. If you do it the | | types of insurance. |
| Huntington Beach | | old-fashioned way (by calling or | | |
| Philadelphia | | visiting multiple agents or insurance | | Renewal: The reestablishment of the |
| Cedar Rapids | | companies) it could take up a huge | | in-force status of a policy, the term of |
| Bay City | | chunk of your time, which no one | | which has expired or will expire |
| Frederick | | wants or needs. By completing | | unless it is renewed. |
| Goldsboro | | InsWebs online application, you will | | |
| Arlington | | have rates to compare to your old | | Gross Line: The total limit accepted |
| Sioux Falls | | ones within minutes! | | by an insurer on an individual risk, |
| Des Moines | | | | including the amount to be reinsured. |
| Downey | | Why not take advantage of current | | |
| Cape Coral | | low prices? Many auto insurance | | Sole Proprietorship: A business |
| Monroe | | consumers are becoming educated | | enterprise owned by one person who |
| Torrance | | on other companies, plans, and rates | | is its manager and employee. |
| Detroit | | that are available to them; ones that | | |
| Palo Alto | | could afford them significant savings | | Commission of Authority: A document |
| Fredericksburg | | on their auto insurance. | | outlining the powers delegated to an |
| Schaumburg | | | | agent by an insurer. |
| Joliet | | People who are trying to quit | | |
| Lancaster | | smoking, for example, might be best | | Captive Agent: One who sells |
| Roanoke | | suited purchasing a shorter term (and | | insurance for only one company as |
| Stuart | | then replacing it with a longer term | | opposed to an agent who represents |
| Franklin | | policy when they qualify for | | several companies. |
| West Palm Beach | | non-tobacco prices). | | |
| West Palm Beach | | | | Lloyd's Broker: A person who has the |
| Clarksville | | Healthy people have the best | | authority to negotiate insurance |
| Norfolk | | mortality risks and thus are much | | contracts with the underwriters on the |
| Cape Coral | | cheaper for companies to insure. This | | floor at Lloyd's. |
| Pensacola | | translates into lower rates for the | | |
| Salt Lake City | | Super Preferred customer than | | Accidental Bodily Injury: An injury |
| Oklahoma City | | someone with higher risk factors such | | sustained accidentally. Only the result |
| Phoenix | | as a heart condition, cancer or | | need be accidental. Contrast with |
| Mountain View | | diabetes. Conversely, if you were | | Accidental Means. |
| Minneapolis | | unhealthy when you acquired your | | |
| Springfield | | policy, and your health has now | | |
| Dallas | | improved, it might be time to shop for | | |
| Pittsburgh | | a new policy, as your rates are likely | | |
| Lawrenceville | | to be lower. | | |
