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| Racine | | Shopping around is the best way to | | Tabular Plan: A retrospective rating |
| Norfolk | | save money on your insurance. | | plan, which uses tables to furnish the |
| Spokane | | | | various values for the rating formula. |
| Sacramento | | Individuals who have 30-year | | |
| Ventura | | mortgages might want to consider a | | Loss Frequency: The number of times |
| Harlingen | | 30-year term to ensure that the house | | a loss occurs over a specific period |
| Zanesville | | is protected throughout the period of | | of time. |
| Phoenix | | the loan. | | |
| Warwick | | | | Retail Credit Company: The former |
| Newburgh | | While some companies raise their | | name of Equifax, a credit reporting |
| Hattiesburg | | prices based on your actual age, | | organization. See Equifax. |
| Anchorage | | most companies increase the price of | | |
| Dearborn | | their policies six months before your | | Deficit Carried Forward: The transfer |
| Fullerton | | birthday. Its a term called Age | | of a debit balance from one |
| Athens | | Nearest in the industry, and that | | accounting period to another. |
| Muncie | | half-year price increase could really | | |
| Union | | add up over a 20-year term policy. As | | Multi-Peril Policies: Policies which |
| Torrance | | above, the quicker you purchase your | | cover a number of perils, such as fire, |
| Longmont | | policy the better. | | burglary, and liability, in a single |
| Las Cruces | | | | contract. |
| Springfield | | Make sure you have a new policy in | | |
| Staten Island | | place before you cancel your old one | | Nonassignable: A policy that the |
| Rochester | | to avoid a lapse in coverage. This will | | owner cannot assign to a third party. |
| Buffalo | | also prevent having to figure out the | | Most policies are nonassignable |
| Huntington | | amount of any unused premium that is | | unless approval is given by the |
| Daytona Beach | | due to you from your old insurance | | insurer. |
| Santa Ana | | company, or having to spar with your | | |
| Durham | | agent about exactly when your policy | | Agent's Qualification Law: Education, |
| Evanston | | was cancelled and how much they | | experience, and other requirements |
| Woodbridge | | owe you. | | imposed by the state upon persons |
| Bakersfield | | | | desiring to be licensed as agents. |
| Costa Mesa | | The quickest and easiest way to | | |
| Corona | | shop for new insurance is by | | Claim Report: A report filed by an |
| Charlotte | | comparing rates at InsWebs online | | agent setting forth the facts of a claim. |
| Chicago | | marketplace. If you do it the | | Same as Loss Report. |
| Grand Junction | | old-fashioned way (by calling or | | |
| Bronx | | visiting multiple agents or insurance | | |
| Sunnyvale | | companies) it could take up a huge | | |
| Richmond | | chunk of your time, which no one | | |
| Newark | | wants or needs. By completing | | |
| Tampa | | InsWebs online application, you will | | |
| Austin | | have rates to compare to your old | | |
| Morristown | | ones within minutes! | | |
