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| Memphis | | The quickest and easiest way to | | Admitted (or Allowed) Assets: Assets |
| Sacramento | | shop for new insurance is by | | whose values are permitted by state |
| Jacksonville | | comparing rates at InsWebs online | | law to be included in the annual |
| Palm Harbor | | marketplace. If you do it the | | statement of the insurer. |
| Tampa | | old-fashioned way (by calling or | | |
| Woodbridge | | visiting multiple agents or insurance | | Independent Agent: An agent |
| Malden | | companies) it could take up a huge | | operating as an independent |
| Cape Coral | | chunk of your time, which no one | | contractor under the independent |
| Frederick | | wants or needs. By completing | | agency system. |
| Honolulu | | InsWebs online application, you will | | |
| Clarksville | | have rates to compare to your old | | Inspection: Independent checking on |
| Buffalo | | ones within minutes! | | facts about an applicant, |
| Slidell | | | | policyholder, or claimant, usually by a |
| Omaha | | Make sure you have a new policy in | | commercial inspection agency. |
| Joliet | | place before you cancel your old one | | |
| Decatur | | to avoid a lapse in coverage. This will | | Loss Adjustment Expense: The cost |
| Owensboro | | also prevent having to figure out the | | of adjusting losses, excluding the |
| San Jose | | amount of any unused premium that is | | amount of the loss itself. |
| Flushing | | due to you from your old insurance | | |
| Fredericksburg | | company, or having to spar with your | | New For Old: Replacing old |
| Greenville | | agent about exactly when your policy | | damaged parts or equipment with |
| Lubbock | | was cancelled and how much they | | new ones rather than repairing them. |
| Biloxi | | owe you. | | |
| Gaithersburg | | | | Countersignature: The signature of a |
| Fayetteville | | Shopping around is the best way to | | licensed agent or representative on a |
| Wilmington | | save money on your insurance. | | policy. |
