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| Naples | | The quickest and easiest way to | | Premises: The particular location of |
| Kalamazoo | | shop for new insurance is by | | property or a portion thereof as |
| Alameda | | comparing rates at InsWebs online | | designated in a policy. |
| Riverside | | marketplace. If you do it the | | |
| Kansas City | | old-fashioned way (by calling or | | We/Us/Our: These words are used to |
| Boise | | visiting multiple agents or insurance | | refer to the insurer in many of the |
| Flint | | companies) it could take up a huge | | modernized/personalized policy |
| Garland | | chunk of your time, which no one | | forms recently introduced. |
| Whittier | | wants or needs. By completing | | |
| Flushing | | InsWebs online application, you will | | Multi-Peril Policies: Policies which |
| Riverside | | have rates to compare to your old | | cover a number of perils, such as fire, |
| Greeley | | ones within minutes! | | burglary, and liability, in a single |
| Dothan | | | | contract. |
| Beaumont | | If you decide to cancel your policy | | |
| Philadelphia | | (after acquiring new coverage) | | Insolvent Insurer: An insurer which is |
| Topeka | | outside of the 30-day period, you may | | unable to meet its financial |
| Troy | | have to pay a fee or penalty. | | obligations. |
| Lincoln | | However, you may still save money | | |
| Flushing | | after paying the fee if your new policy | | Partnership Entity: The partnership |
| Yuma | | affords you significant savings. So | | considered as an entity and not in |
| Akron | | while it is best to wait until your | | terms of its individual part-owners. |
| Springfield | | receive your renewal notice, you CAN | | |
| Phoenix | | cancel your policy at any time. | | Leasehold: An agreement which |
| Fairfax | | | | gives a person the right to use and |
| Sterling Heights | | We offer quotes for auto insurance, | | occupy property. |
| Warwick | | life insurance, homeowners | | |
| Charleston | | insurance, health insurance, term life | | Losses Incurred: The total losses, |
| Hendersonville | | insurance and more. | | whether paid or not, sustained by an |
| Athens | | | | insurer during a given period, e.g., 12 |
| Fresno | | Shopping around is the best way to | | months. |
| West Chester | | save money on your insurance. | | |
| Englewood | | | | Policy Anniversary: The anniversary |
| Ventura | | Healthy people have the best | | of the date of issue of a policy as |
| Mountain View | | mortality risks and thus are much | | shown in the policy declarations. |
| Texarkana | | cheaper for companies to insure. This | | |
| Irving | | translates into lower rates for the | | |
| Minneapolis | | Super Preferred customer than | | |
| Scottsdale | | someone with higher risk factors such | | |
| Vero Beach | | as a heart condition, cancer or | | |
| Santa Ana | | diabetes. Conversely, if you were | | |
| Chandler | | unhealthy when you acquired your | | |
| Nashua | | policy, and your health has now | | |
| Ann Arbor | | improved, it might be time to shop for | | |
| Ogden | | a new policy, as your rates are likely | | |
| Bloomington | | to be lower. | | |
