| | | | |
|
| Springfield | | People who are trying to quit | | Substandard Risk: A risk not |
| Pensacola | | smoking, for example, might be best | | measuring up to underwriting |
| Boca Raton | | suited purchasing a shorter term (and | | standards. It may still be written but |
| Gaithersburg | | then replacing it with a longer term | | usually at a surcharged premium. |
| Chandler | | policy when they qualify for | | |
| Huntsville | | non-tobacco prices). | | Agency Company: An insurance |
| Sioux City | | | | company that produces business |
| Corpus Christi | | The quickest and easiest way to | | through an agency network. Contrast |
| Greenville | | shop for new insurance is by | | with Direct Writer. |
| Worcester | | comparing rates at InsWebs online | | |
| Chesapeake | | marketplace. If you do it the | | Other Insurance: The existence of |
| Lorain | | old-fashioned way (by calling or | | other contracts covering the same |
| Daytona Beach | | visiting multiple agents or insurance | | interest and perils. |
| Delray Beach | | companies) it could take up a huge | | |
| Hot Springs | | chunk of your time, which no one | | Retail Credit Company: The former |
| Pembroke Pines | | wants or needs. By completing | | name of Equifax, a credit reporting |
| Anderson | | InsWebs online application, you will | | organization. See Equifax. |
| Tallahassee | | have rates to compare to your old | | |
| Amarillo | | ones within minutes! | | Multi-Peril Policies: Policies which |
| Fullerton | | | | cover a number of perils, such as fire, |
| Las Vegas | | Why not take advantage of current | | burglary, and liability, in a single |
| Jersey City | | low prices? Many auto insurance | | contract. |
| Davenport | | consumers are becoming educated | | |
| Staten Island | | on other companies, plans, and rates | | Exclusion: A contractual provision that |
| New Port Richey | | that are available to them; ones that | | denies coverage for certain perils, |
| Newport Beach | | could afford them significant savings | | persons, property, or locations. |
| Boulder | | on their auto insurance. | | |
| Fayetteville | | | | Flat Cancellation: A policy which is |
| Austin | | Shopping around is the best way to | | cancelled upon its effective date. |
| Norwalk | | save money on your insurance. | | Usually under a flat cancellation no |
| Athens | | | | premium charge is made. |
| Aurora | | Healthy people have the best | | |
| Wilmington | | mortality risks and thus are much | | Insolvent Insurer: An insurer which is |
| Roanoke | | cheaper for companies to insure. This | | unable to meet its financial |
| Poughkeepsie | | translates into lower rates for the | | obligations. |
| Gaithersburg | | Super Preferred customer than | | |
| Wilmington | | someone with higher risk factors such | | |
| Rome | | as a heart condition, cancer or | | |
| Longview | | diabetes. Conversely, if you were | | |
| Virginia Beach | | unhealthy when you acquired your | | |
| Charlotte | | policy, and your health has now | | |
| Erie | | improved, it might be time to shop for | | |
| Tempe | | a new policy, as your rates are likely | | |
| Denton | | to be lower. | | |
