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| South Bend | | If you have noticed that your auto | | Initial Premium: An amount paid at the |
| Long Beach | | insurance rates are still increasing | | inception of an insurance contract, |
| Grand Prairie | | with each renewal, or even have not | | usually subject to adjustment at the |
| Gaithersburg | | gone down even though you have a | | end of the policy period. |
| Delray Beach | | great driving record, this lower pricing | | |
| Knoxville | | trend makes it more important then | | You/Your: These words are used to |
| Lawrenceville | | ever that you shop around for auto | | refer to the named insured in many of |
| Spokane | | insurance. | | the modernized/personalized policy |
| Saginaw | | | | forms. |
| Staten Island | | The quickest and easiest way to | | |
| Corona | | shop for new insurance is by | | Partnership Entity: The partnership |
| Tacoma | | comparing rates at InsWebs online | | considered as an entity and not in |
| Stamford | | marketplace. If you do it the | | terms of its individual part-owners. |
| Longview | | old-fashioned way (by calling or | | |
| Cypress | | visiting multiple agents or insurance | | Stock Option Plan: Surviving |
| Frederick | | companies) it could take up a huge | | stockholders have the option to |
| Richmond | | chunk of your time, which no one | | purchase or not purchase the shares |
| Carlsbad | | wants or needs. By completing | | of a deceased stockholder. |
| Lubbock | | InsWebs online application, you will | | |
| Dothan | | have rates to compare to your old | | Agency: An insurance sales office |
| Palm Harbor | | ones within minutes! | | which is directed by a agent, |
| Pembroke Pines | | | | manager, independent agent, or |
| Las Cruces | | Make sure you have a new policy in | | company manager. |
| Chesapeake | | place before you cancel your old one | | |
| Arlington | | to avoid a lapse in coverage. This will | | Line of Business: The classification of |
| Gainesville | | also prevent having to figure out the | | business as utilized in the insurance |
| Racine | | amount of any unused premium that is | | industry, e.g., Fire, Allied Lines and |
| Council Bluffs | | due to you from your old insurance | | Homeowners. |
| Dothan | | company, or having to spar with your | | |
| St. Louis | | agent about exactly when your policy | | Cash Flow Underwriting: The use of |
| Longmont | | was cancelled and how much they | | rating and premium collection |
| Rockville | | owe you. | | techniques by insurance companies |
| Nashville | | | | to maximize interest earnings on |
| Kingsport | | While some companies raise their | | premiums. |
| Reading | | prices based on your actual age, | | |
| Columbus | | most companies increase the price of | | |
| Sacramento | | their policies six months before your | | |
| Midland | | birthday. Its a term called Age | | |
| Clearwater | | Nearest in the industry, and that | | |
| Sumter | | half-year price increase could really | | |
| Austin | | add up over a 20-year term policy. As | | |
| Mansfield | | above, the quicker you purchase your | | |
| High Point | | policy the better. | | |
