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| Stuart | | Make sure you have a new policy in | | Retail Credit Company: The former |
| Englewood | | place before you cancel your old one | | name of Equifax, a credit reporting |
| Topeka | | to avoid a lapse in coverage. This will | | organization. See Equifax. |
| Springfield | | also prevent having to figure out the | | |
| Aurora | | amount of any unused premium that is | | Effective Date: The date on which the |
| Asheville | | due to you from your old insurance | | protection of an insurance policy or |
| Hemet | | company, or having to spar with your | | bond goes into effect. |
| Carlsbad | | agent about exactly when your policy | | |
| Carlsbad | | was cancelled and how much they | | Gross Premium: The net premium |
| Fort Collins | | owe you. | | plus operating expenses, |
| Sioux Falls | | | | commissions and other expenses. |
| Akron | | At InsWeb, you can compare free | | |
| Honolulu | | online insurance quotes from many of | | FICA. Federal Insurance Contributions |
| Tallahassee | | the nations leading insurance | | Act: A law imposing a payroll tax to |
| Amarillo | | companies. | | assist in funding Social Security |
| Albuquerque | | | | benefits. |
| Escondido | | The quickest and easiest way to | | |
| West Palm Beach | | shop for new insurance is by | | Deductible: The portion of an insured |
| Memphis | | comparing rates at InsWebs online | | loss to be borne by the insured |
| Westbury | | marketplace. If you do it the | | before he is entitled to recovery from |
| Columbia | | old-fashioned way (by calling or | | the insurer. |
| Malden | | visiting multiple agents or insurance | | |
| Bethlehem | | companies) it could take up a huge | | Premium: The price of insurance |
| Fayetteville | | chunk of your time, which no one | | protection for a specified risk for a |
| Vero Beach | | wants or needs. By completing | | specified period of time. |
| Jacksonville | | InsWebs online application, you will | | |
| St. Paul | | have rates to compare to your old | | Approved Roof: A term used in |
| Huntington Beach | | ones within minutes! | | building construction. It indicates a |
| Boise | | | | roof made of fire-resistive materials, |
| Fullerton | | Shopping around is the best way to | | such as tile or asphalt shingles. |
| Boynton Beach | | save money on your insurance. | | |
| Naperville | | | | Fictitious Groups: Groups formed |
| Lawton | | While some companies raise their | | primarily for the purpose of buying |
| Florence | | prices based on your actual age, | | insurance. Under the law such groups |
| Eugene | | most companies increase the price of | | may not be underwritten. |
| Belleville | | their policies six months before your | | |
| Montgomery | | birthday. Its a term called Age | | |
| Killeen | | Nearest in the industry, and that | | |
| St. Paul | | half-year price increase could really | | |
| Fairfax | | add up over a 20-year term policy. As | | |
| Florence | | above, the quicker you purchase your | | |
| Alameda | | policy the better. | | |
