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| Houma | | The best time to switch policies is | | Liabilities: Money owed or expected |
| Naples | | within one month of receiving your | | to be owed. Insurance company |
| Alexandria | | policy renewal from your current | | financial statements, for instance, |
| Longmont | | insurer. You can typically cancel your | | show assets and liabilities. |
| Biloxi | | policy without any fees or penalties if | | |
| Billings | | you act within this time period. | | Net Loss: The amount of loss |
| Clinton Township | | | | sustained by an insurer after giving |
| Fresno | | At InsWeb, you can compare free | | effect to all applicable reinsurance, |
| Santa Barbara | | online insurance quotes from many of | | salvage, and subrogation recoveries. |
| Walnut Creek | | the nations leading insurance | | |
| Pensacola | | companies. | | Cut Rate: This term generally applies |
| El Cajon | | | | to insurance companies who charge |
| Southfield | | Individuals who have 30-year | | premiums below a normal or average |
| Syracuse | | mortgages might want to consider a | | rate. |
| Lake Charles | | 30-year term to ensure that the house | | |
| Waterloo | | is protected throughout the period of | | Lapsed Policy: One which has been |
| Belleville | | the loan. | | allowed to expire because of |
| Newark | | | | nonpayment of premiums. |
| Malden | | Healthy people have the best | | |
| Cleveland | | mortality risks and thus are much | | Calendar Year Experience: This |
| York | | cheaper for companies to insure. This | | measures the premiums and losses |
| Oxnard | | translates into lower rates for the | | entered on accounting records during |
| Mobile | | Super Preferred customer than | | the 12-month calendar. |
| Chattanooga | | someone with higher risk factors such | | |
| Las Vegas | | as a heart condition, cancer or | | Captive Agent: One who sells |
| Hattiesburg | | diabetes. Conversely, if you were | | insurance for only one company as |
| Erie | | unhealthy when you acquired your | | opposed to an agent who represents |
| Providence | | policy, and your health has now | | several companies. |
| Naperville | | improved, it might be time to shop for | | |
| Lakewood | | a new policy, as your rates are likely | | Claim Report: A report filed by an |
| Kalamazoo | | to be lower. | | agent setting forth the facts of a claim. |
| Pasadena | | | | Same as Loss Report. |
| Santa Rosa | | We offer quotes for auto insurance, | | |
| Alpharetta | | life insurance, homeowners | | Buy-Back" Deductible: A deductible |
| Fayetteville | | insurance, health insurance, term life | | which may be eliminated for an |
| Council Bluffs | | insurance and more. | | additional premium in order to |
| Alpharetta | | | | provide "first-dollar" coverage. |
