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| High Point | | The best time to switch policies is | | Overlapping Insurance: Coverage |
| Ogden | | within one month of receiving your | | from two or more policies or insurers |
| Glendale | | policy renewal from your current | | which duplicates coverage of certain |
| Edison | | insurer. You can typically cancel your | | risks. |
| Quincy | | policy without any fees or penalties if | | |
| Council Bluffs | | you act within this time period. | | Public Adjuster: An insurance adjuster |
| Bloomington | | | | who represents an insured on a fee |
| Austin | | Individuals who have 30-year | | basis in claims settlement. Contrast |
| York | | mortgages might want to consider a | | with Independent Adjuster. |
| Poughkeepsie | | 30-year term to ensure that the house | | |
| Inglewood | | is protected throughout the period of | | Broker of Record: A broker who has |
| Saginaw | | the loan. | | been designated to handle certain |
| Springfield | | | | insurance contracts for the |
| Quincy | | At InsWeb, you can compare free | | policyholder. |
| Santa Rosa | | online insurance quotes from many of | | |
| West Palm Beach | | the nations leading insurance | | Gain and Loss Exhibit: The portion of |
| Huntington | | companies. | | the convention blank which |
| Newport Beach | | | | represents an analysis of gains, |
| Escondido | | If you have noticed that your auto | | losses, and surplus during an |
| Duluth | | insurance rates are still increasing | | accounting period. |
| Roanoke | | with each renewal, or even have not | | |
| St. Joseph | | gone down even though you have a | | Claim Report: A report filed by an |
| Ventura | | great driving record, this lower pricing | | agent setting forth the facts of a claim. |
| Toms River | | trend makes it more important then | | Same as Loss Report. |
| Bloomington | | ever that you shop around for auto | | |
| Mobile | | insurance. | | Net Interest Earned: The average |
| Lima | | | | interest earned by an insurer on its |
| Bloomington | | Why not take advantage of current | | investments after investment expense |
| Youngstown | | low prices? Many auto insurance | | but before federal income taxes. |
| High Point | | consumers are becoming educated | | |
| Bakersfield | | on other companies, plans, and rates | | Criticism: A correction suggested by a |
| Jackson | | that are available to them; ones that | | rating or auditing bureau to an insurer. |
| Costa Mesa | | could afford them significant savings | | |
| Newburgh | | on their auto insurance. | | FICA. Federal Insurance Contributions |
| Melbourne | | | | Act: A law imposing a payroll tax to |
| Chandler | | | | assist in funding Social Security |
| West Palm Beach | | | | benefits. |
