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| Englewood | | While some companies raise their | | Commingling: An illegal practice |
| Canton | | prices based on your actual age, | | which occurs when an agent mixes |
| Louisville | | most companies increase the price of | | personal funds with the insured's or |
| Fayetteville | | their policies six months before your | | insurer's funds. |
| Naperville | | birthday. Its a term called Age | | |
| Newark | | Nearest in the industry, and that | | Level Commission System: A system |
| Sacramento | | half-year price increase could really | | of commissions in which the first year |
| Huntington | | add up over a 20-year term policy. As | | and all renewal commissions are the |
| Council Bluffs | | above, the quicker you purchase your | | same percentage of the premium. |
| Abilene | | policy the better. | | |
| Monroe | | | | Basic Rate: The manual rate from |
| Santa Monica | | Shopping around is the best way to | | which discounts are taken or to which |
| Asheville | | save money on your insurance. | | charges are added to reflect the |
| Redlands | | | | individual circumstances of a risk. |
| Durham | | Individuals who have 30-year | | |
| Midland | | mortgages might want to consider a | | Director of Insurance: A title used in |
| Bradenton | | 30-year term to ensure that the house | | some states for the head of the |
| Modesto | | is protected throughout the period of | | department of insurance. |
| Ventura | | the loan. | | |
| Seattle | | | | Tariff Rate: A rate established by a |
| Baltimore | | The quickest and easiest way to | | rating organization, which comes from |
| Orange | | shop for new insurance is by | | the tables, schedules and rules found |
| Aurora | | comparing rates at InsWebs online | | in the tariff of rates. |
| Huntsville | | marketplace. If you do it the | | |
| Santa Clara | | old-fashioned way (by calling or | | Tabular Plan: A retrospective rating |
| Franklin | | visiting multiple agents or insurance | | plan, which uses tables to furnish the |
| Stuart | | companies) it could take up a huge | | various values for the rating formula. |
| Lake Worth | | chunk of your time, which no one | | |
| Greensboro | | wants or needs. By completing | | Claim Expense: The expense of |
| Green Bay | | InsWebs online application, you will | | adjusting a claim, such as |
| Fullerton | | have rates to compare to your old | | investigation and attorneys' fees. It |
| Jackson | | ones within minutes! | | does not include the cost of the claim |
| Worcester | | | | itself. |
| Waterloo | | At InsWeb, you can compare free | | |
| Alameda | | online insurance quotes from many of | | |
| Fairfax | | the nations leading insurance | | |
| Portland | | companies. | | |
