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| Lorain | | Individuals who have 30-year | | Criticism: A correction suggested by a |
| Cypress | | mortgages might want to consider a | | rating or auditing bureau to an insurer. |
| Los Angeles | | 30-year term to ensure that the house | | |
| Anderson | | is protected throughout the period of | | Malinger: To feign a disability for the |
| St. Paul | | the loan. | | purpose of continuing to collect |
| Muskegon | | | | benefits longer than actually |
| Kalamazoo | | The quickest and easiest way to | | necessary. |
| Glendale | | shop for new insurance is by | | |
| Baltimore | | comparing rates at InsWebs online | | Claim Report: A report filed by an |
| Trenton | | marketplace. If you do it the | | agent setting forth the facts of a claim. |
| Harrisburg | | old-fashioned way (by calling or | | Same as Loss Report. |
| Bloomington | | visiting multiple agents or insurance | | |
| Springfield | | companies) it could take up a huge | | Loss Frequency: The number of times |
| Washington | | chunk of your time, which no one | | a loss occurs over a specific period |
| Santa Monica | | wants or needs. By completing | | of time. |
| Redlands | | InsWebs online application, you will | | |
| Palo Alto | | have rates to compare to your old | | Sherman Antitrust Act: An antitrust law |
| Anderson | | ones within minutes! | | from which insurance is exempted to |
| Westbury | | | | the extent that it is regulated by state |
| Pompano Beach | | Why not take advantage of current | | law. |
| Florissant | | low prices? Many auto insurance | | |
| Oklahoma City | | consumers are becoming educated | | Adjustment Bureau: A firm organized |
| Reno | | on other companies, plans, and rates | | to provide adjustment services to |
| Atlanta | | that are available to them; ones that | | insurers not wishing to create their |
| Boston | | could afford them significant savings | | own claims division. |
| Billings | | on their auto insurance. | | |
| Palo Alto | | | | Open Rating: A system whereby a |
| Fremont | | If you decide to cancel your policy | | state allows an insurer to use rates |
| Irving | | (after acquiring new coverage) | | without prior approval. |
| Arlington | | outside of the 30-day period, you may | | |
| El Cajon | | have to pay a fee or penalty. | | Notice To Company: Written notice to |
| Silver Spring | | However, you may still save money | | an insurer of the occurrence of an |
| San Jose | | after paying the fee if your new policy | | event which a claim is to be based. |
| Cookeville | | affords you significant savings. So | | |
| White Plains | | while it is best to wait until your | | |
| Woodbridge | | receive your renewal notice, you CAN | | |
| Midland | | cancel your policy at any time. | | |
