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| Dallas | | Why not take advantage of current | | Underwriters Laboratories, Inc. (UL): A |
| Duluth | | low prices? Many auto insurance | | testing laboratory for manufactured |
| Asheville | | consumers are becoming educated | | items to determine their safety |
| Gaithersburg | | on other companies, plans, and rates | | propensities. |
| Phoenix | | that are available to them; ones that | | |
| Longmont | | could afford them significant savings | | Agent's Balance: A periodic |
| Oklahoma City | | on their auto insurance. | | statement of the sums due and owed |
| Duluth | | | | to an agent under the agent's contract |
| Gainesville | | If you have noticed that your auto | | with an insurer. |
| Omaha | | insurance rates are still increasing | | |
| Detroit | | with each renewal, or even have not | | Submitted Business: Applications for |
| Athens | | gone down even though you have a | | insurance submitted to an insurer but |
| Joliet | | great driving record, this lower pricing | | not yet acted upon by it. |
| Flushing | | trend makes it more important then | | |
| Fresno | | ever that you shop around for auto | | Exclusions: Specific situations, |
| Fort Lauderdale | | insurance. | | conditions, or circumstances that are |
| Whittier | | | | listed in the contract as being not |
| Fort Worth | | The quickest and easiest way to | | covered. |
| Fullerton | | shop for new insurance is by | | |
| Greenville | | comparing rates at InsWebs online | | Overlapping Insurance: Coverage |
| Cypress | | marketplace. If you do it the | | from two or more policies or insurers |
| Davenport | | old-fashioned way (by calling or | | which duplicates coverage of certain |
| Allentown | | visiting multiple agents or insurance | | risks. |
| Spring Hill | | companies) it could take up a huge | | |
| Escondido | | chunk of your time, which no one | | Tariff Rate: A rate established by a |
| New Port Richey | | wants or needs. By completing | | rating organization, which comes from |
| Quincy | | InsWebs online application, you will | | the tables, schedules and rules found |
| Newport News | | have rates to compare to your old | | in the tariff of rates. |
| Florence | | ones within minutes! | | |
| Jersey City | | | | Retail Credit Company: The former |
| Scottsdale | | The best time to switch policies is | | name of Equifax, a credit reporting |
| Ann Arbor | | within one month of receiving your | | organization. See Equifax. |
| Englewood | | policy renewal from your current | | |
| Santa Ana | | insurer. You can typically cancel your | | Cash Flow Underwriting: The use of |
| White Plains | | policy without any fees or penalties if | | rating and premium collection |
| Boynton Beach | | you act within this time period. | | techniques by insurance companies |
| Irving | | | | to maximize interest earnings on |
| Hartford | | | | premiums. |
