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| Manchester | | The best time to switch policies is | | Domestic Insurer (or Company): An |
| Edmond | | within one month of receiving your | | insurer formed under the laws of the |
| Amarillo | | policy renewal from your current | | state in which the insurance is written. |
| Palm Desert | | insurer. You can typically cancel your | | |
| Houston | | policy without any fees or penalties if | | Nonassignable: A policy that the |
| Glendale | | you act within this time period. | | owner cannot assign to a third party. |
| Acworth | | | | Most policies are nonassignable |
| Fort Smith | | People who are trying to quit | | unless approval is given by the |
| Whittier | | smoking, for example, might be best | | insurer. |
| Long Island City | | suited purchasing a shorter term (and | | |
| Abilene | | then replacing it with a longer term | | Insurance Examiner: The |
| Winter Park | | policy when they qualify for | | representative of a state insurance |
| Boston | | non-tobacco prices). | | department assigned to participate in |
| Ventura | | | | the official audit and examination of |
| Southfield | | The quickest and easiest way to | | an insurer. |
| Springfield | | shop for new insurance is by | | |
| Dallas | | comparing rates at InsWebs online | | Minimum Premium: The smallest |
| Santa Rosa | | marketplace. If you do it the | | amount of premium for which an |
| Duluth | | old-fashioned way (by calling or | | insurer will issue coverage under a |
| Walnut Creek | | visiting multiple agents or insurance | | given policy. |
| Portsmouth | | companies) it could take up a huge | | |
| Joliet | | chunk of your time, which no one | | Partnership Entity: The partnership |
| Lancaster | | wants or needs. By completing | | considered as an entity and not in |
| Houma | | InsWebs online application, you will | | terms of its individual part-owners. |
| Bellevue | | have rates to compare to your old | | |
| Indianapolis | | ones within minutes! | | Absolute Assignment: Assignment by |
| Denton | | | | a policy owner of all control of and |
| Chesapeake | | Shopping around is the best way to | | rights in the policy to a third party. |
| Jacksonville | | save money on your insurance. | | |
| New Orleans | | | | Premium: The price of insurance |
| Little Rock | | Why not take advantage of current | | protection for a specified risk for a |
| Newark | | low prices? Many auto insurance | | specified period of time. |
| Riverside | | consumers are becoming educated | | |
| Newburgh | | on other companies, plans, and rates | | Preferred Risk: Any risk considered |
| West Palm Beach | | that are available to them; ones that | | to be better than the standard risk on |
| Wichita | | could afford them significant savings | | which the premium rate was |
| Houma | | on their auto insurance. | | calculated. |
