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| Torrance | | The best time to switch policies is | | Net Retention: The amount of |
| Columbus | | within one month of receiving your | | insurance that a ceding company |
| Melbourne | | policy renewal from your current | | keeps for its own account and does |
| Oklahoma City | | insurer. You can typically cancel your | | not reinsure. |
| Jersey City | | policy without any fees or penalties if | | |
| Lake Worth | | you act within this time period. | | Admitted Company: An insurance |
| Kingsport | | | | company authorized and licensed to |
| Omaha | | We offer quotes for auto insurance, | | do business in a given state. |
| Gainesville | | life insurance, homeowners | | |
| Fort Collins | | insurance, health insurance, term life | | Authorized Insurer: An insurer |
| Oceanside | | insurance and more. | | authorized by the state to transact |
| Clearwater | | | | business in that state for specific |
| Salem | | Individuals who have 30-year | | types of insurance. |
| Decatur | | mortgages might want to consider a | | |
| Pembroke Pines | | 30-year term to ensure that the house | | Provisions: Statements contained in |
| Duluth | | is protected throughout the period of | | an insurance policy which explain the |
| Downey | | the loan. | | benefits, conditions and other |
| Yonkers | | | | features of the insurance contract. |
| Canton | | The quickest and easiest way to | | |
| Anderson | | shop for new insurance is by | | Sole Proprietorship: A business |
| Cambridge | | comparing rates at InsWebs online | | enterprise owned by one person who |
| Naples | | marketplace. If you do it the | | is its manager and employee. |
| Cleveland | | old-fashioned way (by calling or | | |
| Houston | | visiting multiple agents or insurance | | Basic Rate: The manual rate from |
| Spokane | | companies) it could take up a huge | | which discounts are taken or to which |
| Gainesville | | chunk of your time, which no one | | charges are added to reflect the |
| Fayetteville | | wants or needs. By completing | | individual circumstances of a risk. |
| Grand Rapids | | InsWebs online application, you will | | |
| Portsmouth | | have rates to compare to your old | | Burning Ratio: The ratio of losses |
| Davenport | | ones within minutes! | | suffered to the amount of insurance in |
| Houma | | | | effect. |
| Fort Worth | | While some companies raise their | | |
| Sumter | | prices based on your actual age, | | Brick Veneer Construction: Refers to |
| Hot Springs | | most companies increase the price of | | a building where the outside walls are |
| Savannah | | their policies six months before your | | constructed of wood with a facing of a |
| Memphis | | birthday. Its a term called Age | | single layer of brick. |
| Zanesville | | Nearest in the industry, and that | | |
| Santa Rosa | | half-year price increase could really | | |
| Corona | | add up over a 20-year term policy. As | | |
| Bakersfield | | above, the quicker you purchase your | | |
| Boulder | | policy the better. | | |
