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| Akron | | Healthy people have the best | | Agent's License: A certificate of |
| Norfolk | | mortality risks and thus are much | | authority from the state which permits |
| Scottsdale | | cheaper for companies to insure. This | | the agent to conduct business. |
| Greensboro | | translates into lower rates for the | | |
| Norfolk | | Super Preferred customer than | | You/Your: These words are used to |
| Henderson | | someone with higher risk factors such | | refer to the named insured in many of |
| Mesquite | | as a heart condition, cancer or | | the modernized/personalized policy |
| Allentown | | diabetes. Conversely, if you were | | forms. |
| Tucson | | unhealthy when you acquired your | | |
| Newark | | policy, and your health has now | | Director of Insurance: A title used in |
| Plano | | improved, it might be time to shop for | | some states for the head of the |
| Houma | | a new policy, as your rates are likely | | department of insurance. |
| Sterling Heights | | to be lower. | | |
| Saginaw | | | | Borderline Risk: An insurance |
| High Point | | If you decide to cancel your policy | | prospect of doubtful quality from an |
| Fremont | | (after acquiring new coverage) | | underwriting point of view. |
| Seattle | | outside of the 30-day period, you may | | |
| Stuart | | have to pay a fee or penalty. | | Losses Outstanding: A summary |
| Bethlehem | | However, you may still save money | | statement prepared by Property, Life, |
| Oklahoma City | | after paying the fee if your new policy | | and Liability insurers showing claims |
| Erie | | affords you significant savings. So | | not yet settled. |
| Atlanta | | while it is best to wait until your | | |
| Santa Monica | | receive your renewal notice, you CAN | | First Party Insurance: Insurance which |
| Sioux Falls | | cancel your policy at any time. | | applies to coverage for the insured's |
| Inglewood | | | | own property or person. Contrast with |
| Duluth | | The quickest and easiest way to | | Third Party Insurance. |
| Naperville | | shop for new insurance is by | | |
| Olympia | | comparing rates at InsWebs online | | Captive Agent: One who sells |
| Jackson | | marketplace. If you do it the | | insurance for only one company as |
| Hollywood | | old-fashioned way (by calling or | | opposed to an agent who represents |
| Tacoma | | visiting multiple agents or insurance | | several companies. |
| Joliet | | companies) it could take up a huge | | |
| Salem | | chunk of your time, which no one | | Interstate Carrier: A transportation |
| Providence | | wants or needs. By completing | | company which does business |
| West Chester | | InsWebs online application, you will | | across state lines. |
| Toledo | | have rates to compare to your old | | |
| Grand Junction | | ones within minutes! | | |
