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| Boston | | The quickest and easiest way to | | Admitted Company: An insurance |
| Vineland | | shop for new insurance is by | | company authorized and licensed to |
| El Cajon | | comparing rates at InsWebs online | | do business in a given state. |
| Flint | | marketplace. If you do it the | | |
| Salt Lake City | | old-fashioned way (by calling or | | Society of Insurance Research: An |
| Winter Park | | visiting multiple agents or insurance | | organization which encourages |
| Grand Rapids | | companies) it could take up a huge | | insurance research and promotes the |
| Cookeville | | chunk of your time, which no one | | exchange of ideas and methods of |
| Warwick | | wants or needs. By completing | | research. |
| Las Cruces | | InsWebs online application, you will | | |
| Odessa | | have rates to compare to your old | | Business: In Property, Liability, and |
| Fayetteville | | ones within minutes! | | Health lines, it usually refers to the |
| Oxnard | | | | volume of premiums. |
| Yonkers | | The best time to switch policies is | | |
| Knoxville | | within one month of receiving your | | Broker of Record: A broker who has |
| Austin | | policy renewal from your current | | been designated to handle certain |
| North Hollywood | | insurer. You can typically cancel your | | insurance contracts for the |
| Racine | | policy without any fees or penalties if | | policyholder. |
| Arlington | | you act within this time period. | | |
| Kingsport | | | | Insurance to Value: Insurance written |
| Boca Raton | | If you have noticed that your auto | | in an amount approximating the value |
| Canton | | insurance rates are still increasing | | of the property insured. |
| Clearwater | | with each renewal, or even have not | | |
| Racine | | gone down even though you have a | | Losses Incurred: The total losses, |
| Augusta | | great driving record, this lower pricing | | whether paid or not, sustained by an |
| Youngstown | | trend makes it more important then | | insurer during a given period, e.g., 12 |
| Lafayette | | ever that you shop around for auto | | months. |
| Fremont | | insurance. | | |
| Carlsbad | | | | Stock Option Plan: Surviving |
| Columbia | | Healthy people have the best | | stockholders have the option to |
| Beaumont | | mortality risks and thus are much | | purchase or not purchase the shares |
| New Port Richey | | cheaper for companies to insure. This | | of a deceased stockholder. |
| Dothan | | translates into lower rates for the | | |
| Oxnard | | Super Preferred customer than | | Notice of Cancellation: Written notice |
| Newark | | someone with higher risk factors such | | by an insurer of intent to cancel |
| Athens | | as a heart condition, cancer or | | insurance, or written notice by an |
| Rockford | | diabetes. Conversely, if you were | | insured requesting cancellation. |
| Norfolk | | unhealthy when you acquired your | | |
| San Jose | | policy, and your health has now | | |
| Palo Alto | | improved, it might be time to shop for | | |
| Johnson City | | a new policy, as your rates are likely | | |
| Bloomington | | to be lower. | | |
