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| Stuart | | If you have noticed that your auto | | Liabilities: Money owed or expected |
| St. Louis | | insurance rates are still increasing | | to be owed. Insurance company |
| Williamsburg | | with each renewal, or even have not | | financial statements, for instance, |
| Fall River | | gone down even though you have a | | show assets and liabilities. |
| Melbourne | | great driving record, this lower pricing | | |
| White Plains | | trend makes it more important then | | Flat Cancellation: A policy which is |
| Waco | | ever that you shop around for auto | | cancelled upon its effective date. |
| Fort Collins | | insurance. | | Usually under a flat cancellation no |
| Bay City | | | | premium charge is made. |
| Arlington | | The quickest and easiest way to | | |
| Kalamazoo | | shop for new insurance is by | | Equity: The money value of an |
| Cedar Rapids | | comparing rates at InsWebs online | | insurance company that is over and |
| Charleston | | marketplace. If you do it the | | above its liabilities. Liabilities include |
| Decatur | | old-fashioned way (by calling or | | almost all of its reserves. |
| St. Joseph | | visiting multiple agents or insurance | | |
| Mountain View | | companies) it could take up a huge | | License: A certification of authority for |
| Bay City | | chunk of your time, which no one | | an agent or insurer to operate, given |
| Santa Clara | | wants or needs. By completing | | by the appropriate jurisdiction. |
| Oakland | | InsWebs online application, you will | | |
| Stockton | | have rates to compare to your old | | Society of Insurance Research: An |
| Knoxville | | ones within minutes! | | organization which encourages |
| Santa Barbara | | | | insurance research and promotes the |
| Overland Park | | Why not take advantage of current | | exchange of ideas and methods of |
| Englewood | | low prices? Many auto insurance | | research. |
| Hattiesburg | | consumers are becoming educated | | |
| San Francisco | | on other companies, plans, and rates | | Mandatory Valuation Reserve: A |
| Anaheim | | that are available to them; ones that | | reserve required by a state law to |
| Denton | | could afford them significant savings | | offset any declines in the valuation of |
| Stockbridge | | on their auto insurance. | | securities listed as admitted assets. |