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| Philadelphia | | The quickest and easiest way to | | Short Rate Premium: The premium |
| Chula Vista | | shop for new insurance is by | | required for issuing a policy for a |
| Boise | | comparing rates at InsWebs online | | period less than its normal term. |
| Palm Harbor | | marketplace. If you do it the | | |
| Panama City | | old-fashioned way (by calling or | | Net Retention: The amount of |
| Stockbridge | | visiting multiple agents or insurance | | insurance that a ceding company |
| Cranston | | companies) it could take up a huge | | keeps for its own account and does |
| Cherry Hill | | chunk of your time, which no one | | not reinsure. |
| Newark | | wants or needs. By completing | | |
| Columbia | | InsWebs online application, you will | | Building Code: This refers to |
| Springfield | | have rates to compare to your old | | municipal or other governmental |
| Joliet | | ones within minutes! | | ordinances regulating the type of |
| Myrtle Beach | | | | construction of buildings within its |
| Tucson | | Why not take advantage of current | | jurisdiction. |
| Jackson | | low prices? Many auto insurance | | |
| York | | consumers are becoming educated | | Insurance Policy: The printed form |
| Rapid City | | on other companies, plans, and rates | | which serves as the contract between |
| Long Island City | | that are available to them; ones that | | an insurer and an insured. |
| Ocala | | could afford them significant savings | | |
| Nashua | | on their auto insurance. | | Brokerage Business: Business |
| Ventura | | | | offered to an insurer by a broker. This |
| Reading | | Healthy people have the best | | is sometimes called excess or |
| Dubuque | | mortality risks and thus are much | | surplus business. |
| Whittier | | cheaper for companies to insure. This | | |
| Tempe | | translates into lower rates for the | | Agency Contract (or Agreement): The |
| Clearwater | | Super Preferred customer than | | document which establishes the legal |
| Chandler | | someone with higher risk factors such | | relationship between an agent and an |
| Charlotte | | as a heart condition, cancer or | | insurer. |
| Asheville | | diabetes. Conversely, if you were | | |
| Waterloo | | unhealthy when you acquired your | | Exclusion: A contractual provision that |
| Lakeland | | policy, and your health has now | | denies coverage for certain perils, |
| Dayton | | improved, it might be time to shop for | | persons, property, or locations. |
| Schenectady | | a new policy, as your rates are likely | | |
| Bronx | | to be lower. | | Premium Notice: A form notice from |
| Ann Arbor | | | | an insurer or agency to a policy |
| Stockbridge | | | | owner that a premium will be due on a |
| Daytona Beach | | | | given date. |
