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| Rockford | | Why not take advantage of current | | Insurance Examiner: The |
| Overland Park | | low prices? Many auto insurance | | representative of a state insurance |
| Whittier | | consumers are becoming educated | | department assigned to participate in |
| Sarasota | | on other companies, plans, and rates | | the official audit and examination of |
| Flint | | that are available to them; ones that | | an insurer. |
| Olympia | | could afford them significant savings | | |
| Charlotte | | on their auto insurance. | | Coding: A method of putting |
| Syracuse | | | | information into a numerical form for |
| Trenton | | Healthy people have the best | | statistical use. Most information on |
| Huntington Beach | | mortality risks and thus are much | | policies is coded and then put into |
| Joliet | | cheaper for companies to insure. This | | reports. |
| Cherry Hill | | translates into lower rates for the | | |
| Cambridge | | Super Preferred customer than | | Divided Cover: The placing of |
| San Antonio | | someone with higher risk factors such | | insurance on a given subject or |
| Clearwater | | as a heart condition, cancer or | | object with more than one insurer. |
| Austin | | diabetes. Conversely, if you were | | |
| Yuma | | unhealthy when you acquired your | | Line of Business: The classification of |
| Manchester | | policy, and your health has now | | business as utilized in the insurance |
| St. Paul | | improved, it might be time to shop for | | industry, e.g., Fire, Allied Lines and |
| Muskegon | | a new policy, as your rates are likely | | Homeowners. |
| Sioux City | | to be lower. | | |
| Lancaster | | | | Partial Loss: A loss covered by an |
| San Jose | | At InsWeb, you can compare free | | insurance policy which does not |
| Naples | | online insurance quotes from many of | | completely destroy or render |
| Saginaw | | the nations leading insurance | | worthless the insured property. |
| Fall River | | companies. | | |
| Aurora | | | | Monoline Policy: Any insurance |
| Mansfield | | If you decide to cancel your policy | | coverage written as a single line |
| Metairie | | (after acquiring new coverage) | | policy. Contrast with Multiple Line or |
| Decatur | | outside of the 30-day period, you may | | Package policy. |
| Eugene | | have to pay a fee or penalty. | | |
| Winter Park | | However, you may still save money | | Underinsurance: A condition in which |
| Fullerton | | after paying the fee if your new policy | | not enough insurance is carried to |
| Chattanooga | | affords you significant savings. So | | cover the insurable value. |
| Sacramento | | while it is best to wait until your | | |
| Allentown | | receive your renewal notice, you CAN | | |
| Fort Collins | | cancel your policy at any time. | | |