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| Harrisburg | | Shopping around is the best way to | | Foreign Insurer: An insurer domiciled |
| Portland | | save money on your insurance. | | in a state of the United States other |
| Trenton | | | | than the one in which the insured's |
| Worcester | | Individuals who have 30-year | | insurance is written. |
| Chicago | | mortgages might want to consider a | | |
| St. Joseph | | 30-year term to ensure that the house | | Mutualization: The process of |
| Norwalk | | is protected throughout the period of | | converting a stock insurer to a mutual |
| Lafayette | | the loan. | | insurer, accomplished by having the |
| Des Moines | | | | insurer buy stock and retire it. |
| Orlando | | Why not take advantage of current | | |
| Rapid City | | low prices? Many auto insurance | | Earned Income: The money |
| Lubbock | | consumers are becoming educated | | individuals earn as a result of working |
| Belleville | | on other companies, plans, and rates | | at some job or occupation for which |
| San Diego | | that are available to them; ones that | | they are paid a salary. |
| Acworth | | could afford them significant savings | | |
| Pompano Beach | | on their auto insurance. | | Indemnity: Restoration to the victim of |
| Manchester | | | | a loss by payment, repair, or |
| Sioux Falls | | Healthy people have the best | | replacement. |
| Oakland | | mortality risks and thus are much | | |
| Decatur | | cheaper for companies to insure. This | | Line of Business: The classification of |
| Nashville | | translates into lower rates for the | | business as utilized in the insurance |
| Kalamazoo | | Super Preferred customer than | | industry, e.g., Fire, Allied Lines and |
| Lexington | | someone with higher risk factors such | | Homeowners. |
| Stockbridge | | as a heart condition, cancer or | | |
| Macon | | diabetes. Conversely, if you were | | Loss Frequency: The number of times |
| Frederick | | unhealthy when you acquired your | | a loss occurs over a specific period |
| Nashville | | policy, and your health has now | | of time. |
| El Paso | | improved, it might be time to shop for | | |
| Durham | | a new policy, as your rates are likely | | Retrospective Premium: The final |
| Waterloo | | to be lower. | | premium in a retrospective rating |
| Youngstown | | | | plan. See Retrospective Rating. |
| Gainesville | | At InsWeb, you can compare free | | |
| Albuquerque | | online insurance quotes from many of | | Agent's License: A certificate of |
| Franklin | | the nations leading insurance | | authority from the state which permits |
| Evansville | | companies. | | the agent to conduct business. |
