| | | | |
|
| Washington | | Shopping around is the best way to | | Basic Rate: The manual rate from |
| Montgomery | | save money on your insurance. | | which discounts are taken or to which |
| Los Angeles | | | | charges are added to reflect the |
| Bethlehem | | Life insurance, specifically Term Life, | | individual circumstances of a risk. |
| Los Angeles | | is arguably one of the best values in | | |
| Winter Park | | the entire financial services arena. | | Net Interest Earned: The average |
| San Francisco | | Where else can you go and get | | interest earned by an insurer on its |
| Metairie | | hundreds of thousands of dollars in | | investments after investment expense |
| Washington | | protection for literally pennies per | | but before federal income taxes. |
| Silver Spring | | day? Rates for Term Life insurance | | |
| Arlington | | remain at all-time lows, and now is the | | Loss Frequency: The number of times |
| Columbia | | time to lock in the best prices. | | a loss occurs over a specific period |
| Naples | | | | of time. |
| Johnson City | | If you have noticed that your auto | | |
| Dubuque | | insurance rates are still increasing | | Collusion: An agreement, usually |
| Thousand Oaks | | with each renewal, or even have not | | secret, between two or more persons |
| Portland | | gone down even though you have a | | to defraud or deprive another or |
| Frederick | | great driving record, this lower pricing | | others of their property or rights. |
| Charlotte | | trend makes it more important then | | |
| Conroe | | ever that you shop around for auto | | Inspection: Independent checking on |
| Jersey City | | insurance. | | facts about an applicant, |
| Jackson | | | | policyholder, or claimant, usually by a |
| Montgomery | | Make sure you have a new policy in | | commercial inspection agency. |
| Abilene | | place before you cancel your old one | | |
| Springfield | | to avoid a lapse in coverage. This will | | Borderline Risk: An insurance |
| Lorain | | also prevent having to figure out the | | prospect of doubtful quality from an |
| Tucson | | amount of any unused premium that is | | underwriting point of view. |
| New Port Richey | | due to you from your old insurance | | |
| Wilmington | | company, or having to spar with your | | Policywriting Agent: An agent who has |
| Allentown | | agent about exactly when your policy | | the authority to prepare and effect an |
| Winter Park | | was cancelled and how much they | | insurer's policy. |
| Los Angeles | | owe you. | | |
| Conroe | | | | Independent Contractor: One who |
| Troy | | The best time to switch policies is | | agrees to perform according to a |
| Fayetteville | | within one month of receiving your | | contract and who is not an employee. |
| Salem | | policy renewal from your current | | |
| Anderson | | insurer. You can typically cancel your | | |
| Edison | | policy without any fees or penalties if | | |
| New Port Richey | | you act within this time period. | | |
