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| Birmingham | | The best time to switch policies is | | Fictitious Groups: Groups formed |
| Dearborn | | within one month of receiving your | | primarily for the purpose of buying |
| Savannah | | policy renewal from your current | | insurance. Under the law such groups |
| Bayside | | insurer. You can typically cancel your | | may not be underwritten. |
| Longwood | | policy without any fees or penalties if | | |
| Phoenix | | you act within this time period. | | Claim Expense: The expense of |
| El Cajon | | | | adjusting a claim, such as |
| Silver Spring | | If you have noticed that your auto | | investigation and attorneys' fees. It |
| Chattanooga | | insurance rates are still increasing | | does not include the cost of the claim |
| Warren | | with each renewal, or even have not | | itself. |
| Vancouver | | gone down even though you have a | | |
| Fayetteville | | great driving record, this lower pricing | | Liquidity: The ability of an insurer to |
| Rochester | | trend makes it more important then | | convert its assets into cash to pay |
| Ventura | | ever that you shop around for auto | | claims if necessary. |
| Downey | | insurance. | | |
| Cambridge | | | | New For Old: Replacing old |
| Clearwater | | Healthy people have the best | | damaged parts or equipment with |
| Tampa | | mortality risks and thus are much | | new ones rather than repairing them. |
| Stockton | | cheaper for companies to insure. This | | |
| Lafayette | | translates into lower rates for the | | Professional Insurance Agents |
| Stockton | | Super Preferred customer than | | Association: A trade association of |
| Naperville | | someone with higher risk factors such | | mutual insurance agents. |
| St. Paul | | as a heart condition, cancer or | | |
| Austin | | diabetes. Conversely, if you were | | Short-Term Policy: A policy written for |
| Thousand Oaks | | unhealthy when you acquired your | | a period of less time than is normal for |
| Columbia | | policy, and your health has now | | that type of policy. |
| Lakeland | | improved, it might be time to shop for | | |
| Indianapolis | | a new policy, as your rates are likely | | Tickler: A reminder system used to |
| Lowell | | to be lower. | | call an individual's attention to actions |
| Chesapeake | | | | that must be taken at a future point in |
| Davenport | | The quickest and easiest way to | | time. |
| Portland | | shop for new insurance is by | | |
| Naples | | comparing rates at InsWebs online | | Broker-Agent: One acting as an agent |
| Cedar Rapids | | marketplace. If you do it the | | of one or more insurers and as a |
| Dearborn | | old-fashioned way (by calling or | | broker in dealing with one or more |
| Spring Hill | | visiting multiple agents or insurance | | other insurers. |
| Bethlehem | | companies) it could take up a huge | | |
| Winter Haven | | chunk of your time, which no one | | |
| Oxnard | | wants or needs. By completing | | |
| Dayton | | InsWebs online application, you will | | |
| Allentown | | have rates to compare to your old | | |
| Indianapolis | | ones within minutes! | | |
