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| Montgomery | | The quickest and easiest way to | | Single Limit: Any insurance coverage |
| Topeka | | shop for new insurance is by | | which is expressed as a single |
| Youngstown | | comparing rates at InsWebs online | | amount of insurance, or a single limit |
| Burbank | | marketplace. If you do it the | | of liability. Contrast with Split Limit. |
| Arlington | | old-fashioned way (by calling or | | |
| Clarksville | | visiting multiple agents or insurance | | Claim Expense: The expense of |
| Oklahoma City | | companies) it could take up a huge | | adjusting a claim, such as |
| Trenton | | chunk of your time, which no one | | investigation and attorneys' fees. It |
| Huntington Beach | | wants or needs. By completing | | does not include the cost of the claim |
| Dearborn | | InsWebs online application, you will | | itself. |
| Rockville | | have rates to compare to your old | | |
| Green Bay | | ones within minutes! | | Accident Year Experience: Measures |
| West Chester | | | | premiums and losses relating to |
| Wilmington | | Everyone has different needs, and | | accidents which occurred during a |
| Lake Worth | | not one size fits all when it comes to | | 12-month period. |
| South Bend | | term life insurance. While it may make | | |
| Ogden | | sense for people in their 30s and 40s | | Standard Industry Code (SIC): This is |
| Spartanburg | | to secure a 20-year term length, a | | a coding system which assigns |
| Anderson | | 10-year term might be more | | separate codes for different types of |
| Jackson | | appropriate for someone nearing | | industries. |
| Fort Wayne | | retirement. | | |
| Springfield | | | | Society of Insurance Research: An |
| Topeka | | Why not take advantage of current | | organization which encourages |
| Ocala | | low prices? Many auto insurance | | insurance research and promotes the |
| Gainesville | | consumers are becoming educated | | exchange of ideas and methods of |
| Augusta | | on other companies, plans, and rates | | research. |
| Bradenton | | that are available to them; ones that | | |
| Racine | | could afford them significant savings | | Calendar Year Experience: This |
| Pasadena | | on their auto insurance. | | measures the premiums and losses |
| Macon | | | | entered on accounting records during |
| Fayetteville | | Healthy people have the best | | the 12-month calendar. |
| Pensacola | | mortality risks and thus are much | | |
| Lincoln | | cheaper for companies to insure. This | | Nonadmitted Insurer: An insurer not |
| Morristown | | translates into lower rates for the | | licensed to do business in the |
| Irving | | Super Preferred customer than | | jurisdiction in question. Same as |
| Atlanta | | someone with higher risk factors such | | Unauthorized Insurer and Unlicensed |
| Nashville | | as a heart condition, cancer or | | Insurer. |
| Stockbridge | | diabetes. Conversely, if you were | | |
| Springfield | | unhealthy when you acquired your | | |
| Modesto | | policy, and your health has now | | |
| Costa Mesa | | improved, it might be time to shop for | | |
| Palm Harbor | | a new policy, as your rates are likely | | |
| Columbia | | to be lower. | | |
