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| York | | Make sure you have a new policy in | | Liquidity: The ability of an insurer to |
| Portsmouth | | place before you cancel your old one | | convert its assets into cash to pay |
| Reading | | to avoid a lapse in coverage. This will | | claims if necessary. |
| Rockford | | also prevent having to figure out the | | |
| Frederick | | amount of any unused premium that is | | Short-Term Policy: A policy written for |
| Wichita | | due to you from your old insurance | | a period of less time than is normal for |
| Buffalo | | company, or having to spar with your | | that type of policy. |
| Frederick | | agent about exactly when your policy | | |
| Newburgh | | was cancelled and how much they | | Paid-In Surplus: Surplus paid in by |
| Houston | | owe you. | | stockholders, as contrasted with |
| Belleville | | | | surplus earned through the |
| Lincoln | | At InsWeb, you can compare free | | operations of a business. |
| Longwood | | online insurance quotes from many of | | |
| Huntington Beach | | the nations leading insurance | | Agency Contract (or Agreement): The |
| Virginia Beach | | companies. | | document which establishes the legal |
| San Jose | | | | relationship between an agent and an |
| Durham | | While some companies raise their | | insurer. |
| Lincoln | | prices based on your actual age, | | |
| Akron | | most companies increase the price of | | Premium Receipt: The receipt given |
| Williamsport | | their policies six months before your | | a policy owner for the payment of a |
| Texarkana | | birthday. Its a term called Age | | premium. |
| Delray Beach | | Nearest in the industry, and that | | |
| Mesquite | | half-year price increase could really | | Retrospective Premium: The final |
| San Bernardino | | add up over a 20-year term policy. As | | premium in a retrospective rating |
| Youngstown | | above, the quicker you purchase your | | plan. See Retrospective Rating. |
| Elkhart | | policy the better. | | |
| Mesa | | | | Divided Cover: The placing of |
| Toms River | | We offer quotes for auto insurance, | | insurance on a given subject or |
| Atlanta | | life insurance, homeowners | | object with more than one insurer. |
| Rochester | | insurance, health insurance, term life | | |
| Fort Myers | | insurance and more. | | Exclusion: A contractual provision that |
| Biloxi | | | | denies coverage for certain perils, |
| Rockford | | The quickest and easiest way to | | persons, property, or locations. |
| Kingsport | | shop for new insurance is by | | |
| Ventura | | comparing rates at InsWebs online | | |
| Fairfax | | marketplace. If you do it the | | |
| Kalamazoo | | old-fashioned way (by calling or | | |
| Fairfax | | visiting multiple agents or insurance | | |
| Plano | | companies) it could take up a huge | | |
| Riverside | | chunk of your time, which no one | | |
| Alpharetta | | wants or needs. By completing | | |
| Schaumburg | | InsWebs online application, you will | | |
| Louisville | | have rates to compare to your old | | |
| Pasadena | | ones within minutes! | | |
