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| Gainesville | | Healthy people have the best | | Standard Industry Code (SIC): This is |
| Peoria | | mortality risks and thus are much | | a coding system which assigns |
| Thousand Oaks | | cheaper for companies to insure. This | | separate codes for different types of |
| Union | | translates into lower rates for the | | industries. |
| Midland | | Super Preferred customer than | | |
| Worcester | | someone with higher risk factors such | | Captive Agent: One who sells |
| Mountain View | | as a heart condition, cancer or | | insurance for only one company as |
| Saginaw | | diabetes. Conversely, if you were | | opposed to an agent who represents |
| Palm Harbor | | unhealthy when you acquired your | | several companies. |
| Riverside | | policy, and your health has now | | |
| Biloxi | | improved, it might be time to shop for | | Paid-In Surplus: Surplus paid in by |
| Long Island City | | a new policy, as your rates are likely | | stockholders, as contrasted with |
| Denver | | to be lower. | | surplus earned through the |
| Newark | | | | operations of a business. |
| Brooklyn | | The best time to switch policies is | | |
| Newburgh | | within one month of receiving your | | Business: In Property, Liability, and |
| Morristown | | policy renewal from your current | | Health lines, it usually refers to the |
| Chula Vista | | insurer. You can typically cancel your | | volume of premiums. |
| Springfield | | policy without any fees or penalties if | | |
| Palm Desert | | you act within this time period. | | Independent Contractor: One who |
| Amarillo | | | | agrees to perform according to a |
| Lafayette | | Why not take advantage of current | | contract and who is not an employee. |
| Chandler | | low prices? Many auto insurance | | |
| Harrisburg | | consumers are becoming educated | | Agency Company: An insurance |
| Wichita | | on other companies, plans, and rates | | company that produces business |
| Naples | | that are available to them; ones that | | through an agency network. Contrast |
| Burbank | | could afford them significant savings | | with Direct Writer. |
| Palm Desert | | on their auto insurance. | | |
| Stuart | | | | Building Code: This refers to |
| Boise | | At InsWeb, you can compare free | | municipal or other governmental |
| Knoxville | | online insurance quotes from many of | | ordinances regulating the type of |
| Palm Desert | | the nations leading insurance | | construction of buildings within its |
| Cincinnati | | companies. | | jurisdiction. |
