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| Gaithersburg | | The quickest and easiest way to | | Lloyd's Broker: A person who has the |
| Topeka | | shop for new insurance is by | | authority to negotiate insurance |
| Orange Park | | comparing rates at InsWebs online | | contracts with the underwriters on the |
| Newburgh | | marketplace. If you do it the | | floor at Lloyd's. |
| Union | | old-fashioned way (by calling or | | |
| Independence | | visiting multiple agents or insurance | | Agent's Balance: A periodic |
| New York | | companies) it could take up a huge | | statement of the sums due and owed |
| Cookeville | | chunk of your time, which no one | | to an agent under the agent's contract |
| Naperville | | wants or needs. By completing | | with an insurer. |
| Seattle | | InsWebs online application, you will | | |
| Tucson | | have rates to compare to your old | | Standard Industry Code (SIC): This is |
| Huntsville | | ones within minutes! | | a coding system which assigns |
| Tulsa | | | | separate codes for different types of |
| Bradenton | | If you have noticed that your auto | | industries. |
| Kansas City | | insurance rates are still increasing | | |
| Colorado Springs | | with each renewal, or even have not | | FICA. Federal Insurance Contributions |
| Bayside | | gone down even though you have a | | Act: A law imposing a payroll tax to |
| Westbury | | great driving record, this lower pricing | | assist in funding Social Security |
| Joliet | | trend makes it more important then | | benefits. |
| Abilene | | ever that you shop around for auto | | |
| Cincinnati | | insurance. | | Open Rating: A system whereby a |
| Stamford | | | | state allows an insurer to use rates |
| Savannah | | We offer quotes for auto insurance, | | without prior approval. |
| Harrisburg | | life insurance, homeowners | | |
| Panama City | | insurance, health insurance, term life | | Sherman Antitrust Act: An antitrust law |
| Decatur | | insurance and more. | | from which insurance is exempted to |
| Syracuse | | | | the extent that it is regulated by state |
| Greenville | | If you decide to cancel your policy | | law. |
| Venice | | (after acquiring new coverage) | | |
| Jacksonville | | outside of the 30-day period, you may | | Deficit Carried Forward: The transfer |
| Allentown | | have to pay a fee or penalty. | | of a debit balance from one |
| Lake Charles | | However, you may still save money | | accounting period to another. |
| Lancaster | | after paying the fee if your new policy | | |
| Racine | | affords you significant savings. So | | Commingling: An illegal practice |
| Bay City | | while it is best to wait until your | | which occurs when an agent mixes |
| Norfolk | | receive your renewal notice, you CAN | | personal funds with the insured's or |
| Conroe | | cancel your policy at any time. | | insurer's funds. |
