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| Santa Ana | | Why not take advantage of current | | Burning Ratio: The ratio of losses |
| Palm Desert | | low prices? Many auto insurance | | suffered to the amount of insurance in |
| Phoenix | | consumers are becoming educated | | effect. |
| Elkhart | | on other companies, plans, and rates | | |
| Nashville | | that are available to them; ones that | | Mandatory Valuation Reserve: A |
| Quincy | | could afford them significant savings | | reserve required by a state law to |
| Muncie | | on their auto insurance. | | offset any declines in the valuation of |
| Huntsville | | | | securities listed as admitted assets. |
| Lake Charles | | The best time to switch policies is | | |
| Hemet | | within one month of receiving your | | Criticism: A correction suggested by a |
| Spokane | | policy renewal from your current | | rating or auditing bureau to an insurer. |
| Detroit | | insurer. You can typically cancel your | | |
| Milwaukee | | policy without any fees or penalties if | | Buy-Back" Deductible: A deductible |
| Grand Prairie | | you act within this time period. | | which may be eliminated for an |
| Lancaster | | | | additional premium in order to |
| Tuscaloosa | | Life insurance, specifically Term Life, | | provide "first-dollar" coverage. |
| Houston | | is arguably one of the best values in | | |
| Stockton | | the entire financial services arena. | | Losses Outstanding: A summary |
| Flint | | Where else can you go and get | | statement prepared by Property, Life, |
| Mansfield | | hundreds of thousands of dollars in | | and Liability insurers showing claims |
| San Antonio | | protection for literally pennies per | | not yet settled. |
| Cape Coral | | day? Rates for Term Life insurance | | |
| Yuma | | remain at all-time lows, and now is the | | Countersignature: The signature of a |
| Spartanburg | | time to lock in the best prices. | | licensed agent or representative on a |
| Durham | | | | policy. |
| Brooklyn | | At InsWeb, you can compare free | | |
| Waterloo | | online insurance quotes from many of | | Net Retention: The amount of |
| Downey | | the nations leading insurance | | insurance that a ceding company |
| New York | | companies. | | keeps for its own account and does |
| Cincinnati | | | | not reinsure. |
| San Bernardino | | Make sure you have a new policy in | | |
| Chesapeake | | place before you cancel your old one | | Minimum Premium: The smallest |
| Palo Alto | | to avoid a lapse in coverage. This will | | amount of premium for which an |
| Columbus | | also prevent having to figure out the | | insurer will issue coverage under a |
| St. Joseph | | amount of any unused premium that is | | given policy. |
| Huntsville | | due to you from your old insurance | | |
| Williamsburg | | company, or having to spar with your | | |
| Naples | | agent about exactly when your policy | | |
| Providence | | was cancelled and how much they | | |
| Evanston | | owe you. | | |
