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| New Orleans | | While some companies raise their | | Divided Cover: The placing of |
| Walnut Creek | | prices based on your actual age, | | insurance on a given subject or |
| Billings | | most companies increase the price of | | object with more than one insurer. |
| Richmond | | their policies six months before your | | |
| Fort Smith | | birthday. Its a term called Age | | Captive Agent: One who sells |
| Greensboro | | Nearest in the industry, and that | | insurance for only one company as |
| Albany | | half-year price increase could really | | opposed to an agent who represents |
| Greensboro | | add up over a 20-year term policy. As | | several companies. |
| Warren | | above, the quicker you purchase your | | |
| Lancaster | | policy the better. | | National Auto Theft Bureau: An |
| Lake Charles | | | | organization engaged in the |
| Council Bluffs | | Healthy people have the best | | prevention and reduction of motor |
| Morristown | | mortality risks and thus are much | | vehicle fire and theft losses. |
| Bayside | | cheaper for companies to insure. This | | |
| Las Cruces | | translates into lower rates for the | | New For Old: Replacing old |
| Grand Rapids | | Super Preferred customer than | | damaged parts or equipment with |
| Fredericksburg | | someone with higher risk factors such | | new ones rather than repairing them. |
| Long Beach | | as a heart condition, cancer or | | |
| Oakland | | diabetes. Conversely, if you were | | Submitted Business: Applications for |
| Riverside | | unhealthy when you acquired your | | insurance submitted to an insurer but |
| Wichita Falls | | policy, and your health has now | | not yet acted upon by it. |
| Biloxi | | improved, it might be time to shop for | | |
| Ocala | | a new policy, as your rates are likely | | Effective Date: The date on which the |
| San Francisco | | to be lower. | | protection of an insurance policy or |
| Montgomery | | | | bond goes into effect. |
| Bay City | | The quickest and easiest way to | | |
| Reading | | shop for new insurance is by | | Accidental Bodily Injury: An injury |
| Corona | | comparing rates at InsWebs online | | sustained accidentally. Only the result |
| Ann Arbor | | marketplace. If you do it the | | need be accidental. Contrast with |
| Lake Worth | | old-fashioned way (by calling or | | Accidental Means. |
| Sioux City | | visiting multiple agents or insurance | | |
| Grand Prairie | | companies) it could take up a huge | | Line of Business: The classification of |
| South Bend | | chunk of your time, which no one | | business as utilized in the insurance |
| Yonkers | | wants or needs. By completing | | industry, e.g., Fire, Allied Lines and |
| San Bernardino | | InsWebs online application, you will | | Homeowners. |
| Modesto | | have rates to compare to your old | | |
| Baltimore | | ones within minutes! | | |