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| Rochester | | Shopping around is the best way to | | Business: In Property, Liability, and |
| New York | | save money on your insurance. | | Health lines, it usually refers to the |
| Nashua | | | | volume of premiums. |
| Santa Rosa | | At InsWeb, you can compare free | | |
| Ocala | | online insurance quotes from many of | | Paid-In Surplus: Surplus paid in by |
| Norfolk | | the nations leading insurance | | stockholders, as contrasted with |
| Albany | | companies. | | surplus earned through the |
| Arlington | | | | operations of a business. |
| Warwick | | Why not take advantage of current | | |
| Mansfield | | low prices? Many auto insurance | | Standard Industry Code (SIC): This is |
| Harrisburg | | consumers are becoming educated | | a coding system which assigns |
| Grand Junction | | on other companies, plans, and rates | | separate codes for different types of |
| Slidell | | that are available to them; ones that | | industries. |
| Garland | | could afford them significant savings | | |
| Chattanooga | | on their auto insurance. | | Incurred Expense: Expenses not yet |
| Rockford | | | | paid. Can also include paid |
| Cincinnati | | The best time to switch policies is | | expenses in some accounting |
| Columbia | | within one month of receiving your | | systems. |
| Evansville | | policy renewal from your current | | |
| Walnut Creek | | insurer. You can typically cancel your | | Brick Veneer Construction: Refers to |
| Portland | | policy without any fees or penalties if | | a building where the outside walls are |
| Fremont | | you act within this time period. | | constructed of wood with a facing of a |
| Canton | | | | single layer of brick. |
| Boca Raton | | People who are trying to quit | | |
| Stuart | | smoking, for example, might be best | | Provisions: Statements contained in |
| Salem | | suited purchasing a shorter term (and | | an insurance policy which explain the |
| Billings | | then replacing it with a longer term | | benefits, conditions and other |
| Grand Junction | | policy when they qualify for | | features of the insurance contract. |
| Wichita Falls | | non-tobacco prices). | | |
| Yuma | | | | Depreciation: A decrease in the value |
| Miami | | Make sure you have a new policy in | | of any type of tangible property over |
| Rochester | | place before you cancel your old one | | a period of time resulting from use, |
| Seattle | | to avoid a lapse in coverage. This will | | wear and tear, or obsolescence. |
| Louisville | | also prevent having to figure out the | | |
| Pasadena | | amount of any unused premium that is | | |
| Mesa | | due to you from your old insurance | | |
| Boulder | | company, or having to spar with your | | |
| Coral Springs | | agent about exactly when your policy | | |
| Inglewood | | was cancelled and how much they | | |
| Waterloo | | owe you. | | |
