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| Muskegon | | Individuals who have 30-year | | Collusion: An agreement, usually |
| San Jose | | mortgages might want to consider a | | secret, between two or more persons |
| Venice | | 30-year term to ensure that the house | | to defraud or deprive another or |
| Los Angeles | | is protected throughout the period of | | others of their property or rights. |
| Rochester | | the loan. | | |
| Columbus | | | | Premium Notice: A form notice from |
| North Hollywood | | People who are trying to quit | | an insurer or agency to a policy |
| Brooklyn | | smoking, for example, might be best | | owner that a premium will be due on a |
| Carlsbad | | suited purchasing a shorter term (and | | given date. |
| Sterling Heights | | then replacing it with a longer term | | |
| Venice | | policy when they qualify for | | Underinsurance: A condition in which |
| Newark | | non-tobacco prices). | | not enough insurance is carried to |
| Texarkana | | | | cover the insurable value. |
| Lakewood | | The quickest and easiest way to | | |
| Jacksonville | | shop for new insurance is by | | Interstate Carrier: A transportation |
| Chattanooga | | comparing rates at InsWebs online | | company which does business |
| Boynton Beach | | marketplace. If you do it the | | across state lines. |
| Tempe | | old-fashioned way (by calling or | | |
| Zanesville | | visiting multiple agents or insurance | | Gain and Loss Exhibit: The portion of |
| Lansing | | companies) it could take up a huge | | the convention blank which |
| Conroe | | chunk of your time, which no one | | represents an analysis of gains, |
| Silver Spring | | wants or needs. By completing | | losses, and surplus during an |
| Burbank | | InsWebs online application, you will | | accounting period. |
| Kansas City | | have rates to compare to your old | | |
| Beaumont | | ones within minutes! | | Losses Incurred: The total losses, |
| Las Cruces | | | | whether paid or not, sustained by an |
| Las Cruces | | Shopping around is the best way to | | insurer during a given period, e.g., 12 |
| Decatur | | save money on your insurance. | | months. |