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| Olympia | | The quickest and easiest way to | | Insurance Policy: The printed form |
| San Antonio | | shop for new insurance is by | | which serves as the contract between |
| Santa Clara | | comparing rates at InsWebs online | | an insurer and an insured. |
| New Port Richey | | marketplace. If you do it the | | |
| Mansfield | | old-fashioned way (by calling or | | Sherman Antitrust Act: An antitrust law |
| Sterling Heights | | visiting multiple agents or insurance | | from which insurance is exempted to |
| Overland Park | | companies) it could take up a huge | | the extent that it is regulated by state |
| Cape Coral | | chunk of your time, which no one | | law. |
| Jasper | | wants or needs. By completing | | |
| Florence | | InsWebs online application, you will | | Cut Rate: This term generally applies |
| Stuart | | have rates to compare to your old | | to insurance companies who charge |
| Dallas | | ones within minutes! | | premiums below a normal or average |
| Columbia | | | | rate. |
| Long Beach | | Healthy people have the best | | |
| Scottsdale | | mortality risks and thus are much | | Leasehold: An agreement which |
| San Jose | | cheaper for companies to insure. This | | gives a person the right to use and |
| Zanesville | | translates into lower rates for the | | occupy property. |
| Bloomington | | Super Preferred customer than | | |
| Council Bluffs | | someone with higher risk factors such | | Domestic Insurer (or Company): An |
| Santa Rosa | | as a heart condition, cancer or | | insurer formed under the laws of the |
| Corona | | diabetes. Conversely, if you were | | state in which the insurance is written. |
| Whittier | | unhealthy when you acquired your | | |
| Kingsport | | policy, and your health has now | | American Risk and Insurance |
| Dallas | | improved, it might be time to shop for | | Association: An association of |
| Inglewood | | a new policy, as your rates are likely | | insurance educators and others |
| Mountain View | | to be lower. | | interested in insurance study and |
| Harrisburg | | | | research. |
| St. Louis | | If you decide to cancel your policy | | |
| Modesto | | (after acquiring new coverage) | | Commercial Lines: This term is used |
| Denver | | outside of the 30-day period, you may | | to refer to insurance for businesses, |
| Flint | | have to pay a fee or penalty. | | professionals, and commercial |
| Irvine | | However, you may still save money | | establishments. |
| Westbury | | after paying the fee if your new policy | | |
| Albany | | affords you significant savings. So | | Lapsed Policy: One which has been |
| Livonia | | while it is best to wait until your | | allowed to expire because of |
| Alexandria | | receive your renewal notice, you CAN | | nonpayment of premiums. |
| Hemet | | cancel your policy at any time. | | |
