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| Sterling Heights | | While some companies raise their | | Net Retention: The amount of |
| Springfield | | prices based on your actual age, | | insurance that a ceding company |
| Kansas City | | most companies increase the price of | | keeps for its own account and does |
| Syracuse | | their policies six months before your | | not reinsure. |
| Little Rock | | birthday. Its a term called Age | | |
| Omaha | | Nearest in the industry, and that | | Accident Year Experience: Measures |
| Flushing | | half-year price increase could really | | premiums and losses relating to |
| Rockford | | add up over a 20-year term policy. As | | accidents which occurred during a |
| Joliet | | above, the quicker you purchase your | | 12-month period. |
| Winter Haven | | policy the better. | | |
| Providence | | | | Overlapping Insurance: Coverage |
| Lakeland | | We offer quotes for auto insurance, | | from two or more policies or insurers |
| Fredericksburg | | life insurance, homeowners | | which duplicates coverage of certain |
| Birmingham | | insurance, health insurance, term life | | risks. |
| Anchorage | | insurance and more. | | |
| Reno | | | | Admitted Company: An insurance |
| Glendale | | The quickest and easiest way to | | company authorized and licensed to |
| Valdosta | | shop for new insurance is by | | do business in a given state. |
| Hollywood | | comparing rates at InsWebs online | | |
| Augusta | | marketplace. If you do it the | | Tariff Rate: A rate established by a |
| Wichita | | old-fashioned way (by calling or | | rating organization, which comes from |
| Clearwater | | visiting multiple agents or insurance | | the tables, schedules and rules found |
| Boca Raton | | companies) it could take up a huge | | in the tariff of rates. |
| Fort Lauderdale | | chunk of your time, which no one | | |
| Sioux City | | wants or needs. By completing | | Independent Contractor: One who |
| Sacramento | | InsWebs online application, you will | | agrees to perform according to a |
| Harrisburg | | have rates to compare to your old | | contract and who is not an employee. |
| Little Rock | | ones within minutes! | | |
| Biloxi | | | | Valued: Relating to an agreement by |
| Lowell | | The best time to switch policies is | | an insurer to pay a specified amount |
| Melbourne | | within one month of receiving your | | of money to or on behalf of the |
| Bakersfield | | policy renewal from your current | | insured upon occurrence of a defined |
| Nashua | | insurer. You can typically cancel your | | loss. |
| Fayetteville | | policy without any fees or penalties if | | |
| Madison | | you act within this time period. | | |
