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| Independence | | The best time to switch policies is | | Standard Industry Code (SIC): This is |
| Madison | | within one month of receiving your | | a coding system which assigns |
| Las Cruces | | policy renewal from your current | | separate codes for different types of |
| Panama City | | insurer. You can typically cancel your | | industries. |
| Akron | | policy without any fees or penalties if | | |
| Rochester | | you act within this time period. | | Basic Rate: The manual rate from |
| Charlotte | | | | which discounts are taken or to which |
| Johnson City | | The quickest and easiest way to | | charges are added to reflect the |
| Morristown | | shop for new insurance is by | | individual circumstances of a risk. |
| Dearborn | | comparing rates at InsWebs online | | |
| Duluth | | marketplace. If you do it the | | Brick Veneer Construction: Refers to |
| Hendersonville | | old-fashioned way (by calling or | | a building where the outside walls are |
| Littleton | | visiting multiple agents or insurance | | constructed of wood with a facing of a |
| Modesto | | companies) it could take up a huge | | single layer of brick. |
| Jersey City | | chunk of your time, which no one | | |
| Fullerton | | wants or needs. By completing | | Not Taken: Policies applied for and |
| Santa Barbara | | InsWebs online application, you will | | issued but rejected by the proposed |
| Grand Prairie | | have rates to compare to your old | | owner and not paid for. |
| Yonkers | | ones within minutes! | | |
| Jacksonville | | | | Indemnify: To restore the victim of a |
| Rapid City | | Shopping around is the best way to | | loss to the same position as before |
| South Bend | | save money on your insurance. | | the loss occurred. |
