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| Chula Vista | | The quickest and easiest way to | | Minimum Premium: The smallest |
| Canton | | shop for new insurance is by | | amount of premium for which an |
| Newport News | | comparing rates at InsWebs online | | insurer will issue coverage under a |
| Henderson | | marketplace. If you do it the | | given policy. |
| Owensboro | | old-fashioned way (by calling or | | |
| Richmond | | visiting multiple agents or insurance | | Captive Agent: One who sells |
| Muncie | | companies) it could take up a huge | | insurance for only one company as |
| Lincoln | | chunk of your time, which no one | | opposed to an agent who represents |
| Jonesboro | | wants or needs. By completing | | several companies. |
| Vero Beach | | InsWebs online application, you will | | |
| Charleston | | have rates to compare to your old | | Theory of Probability: The |
| New York | | ones within minutes! | | mathematical principle upon which |
| Peoria | | | | insurance is based. |
| Columbus | | If you have noticed that your auto | | |
| Fort Collins | | insurance rates are still increasing | | Renewal: The reestablishment of the |
| Durham | | with each renewal, or even have not | | in-force status of a policy, the term of |
| Corpus Christi | | gone down even though you have a | | which has expired or will expire |
| Panama City | | great driving record, this lower pricing | | unless it is renewed. |
| Little Rock | | trend makes it more important then | | |
| Stockbridge | | ever that you shop around for auto | | Buy-Back" Deductible: A deductible |
| Racine | | insurance. | | which may be eliminated for an |
| Dubuque | | | | additional premium in order to |
| Fort Collins | | Life insurance, specifically Term Life, | | provide "first-dollar" coverage. |
| Turlock | | is arguably one of the best values in | | |
| Ogden | | the entire financial services arena. | | Losses Incurred: The total losses, |
| Palm Desert | | Where else can you go and get | | whether paid or not, sustained by an |
| Tempe | | hundreds of thousands of dollars in | | insurer during a given period, e.g., 12 |
| Alameda | | protection for literally pennies per | | months. |
| Alexandria | | day? Rates for Term Life insurance | | |
| Manchester | | remain at all-time lows, and now is the | | Calendar Year Experience: This |
| Bellevue | | time to lock in the best prices. | | measures the premiums and losses |
| Plano | | | | entered on accounting records during |
| Miami | | The best time to switch policies is | | the 12-month calendar. |
| Flushing | | within one month of receiving your | | |
| Saginaw | | policy renewal from your current | | |
| Atlanta | | insurer. You can typically cancel your | | |
| Flushing | | policy without any fees or penalties if | | |
| Sterling Heights | | you act within this time period. | | |
