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| Phoenix | | People who are trying to quit | | Will Ride: Coverage that remains in |
| Texarkana | | smoking, for example, might be best | | effect regardless of the geographical |
| Naperville | | suited purchasing a shorter term (and | | location in which a loss occurs. |
| Decatur | | then replacing it with a longer term | | |
| Poughkeepsie | | policy when they qualify for | | Nonadmitted Insurer: An insurer not |
| Pompano Beach | | non-tobacco prices). | | licensed to do business in the |
| Longwood | | | | jurisdiction in question. Same as |
| New Port Richey | | While some companies raise their | | Unauthorized Insurer and Unlicensed |
| Garland | | prices based on your actual age, | | Insurer. |
| Littleton | | most companies increase the price of | | |
| Aurora | | their policies six months before your | | Paid-In Surplus: Surplus paid in by |
| Winter Haven | | birthday. Its a term called Age | | stockholders, as contrasted with |
| Long Beach | | Nearest in the industry, and that | | surplus earned through the |
| Santa Monica | | half-year price increase could really | | operations of a business. |
| Grand Rapids | | add up over a 20-year term policy. As | | |
| Pensacola | | above, the quicker you purchase your | | Absolute Assignment: Assignment by |
| Kalamazoo | | policy the better. | | a policy owner of all control of and |
| Knoxville | | | | rights in the policy to a third party. |
| Toms River | | Why not take advantage of current | | |
| Sumter | | low prices? Many auto insurance | | Loss Adjustment Expense: The cost |
| Flushing | | consumers are becoming educated | | of adjusting losses, excluding the |
| Tallahassee | | on other companies, plans, and rates | | amount of the loss itself. |
| Jasper | | that are available to them; ones that | | |
| Livonia | | could afford them significant savings | | Cash Flow Underwriting: The use of |
| Lafayette | | on their auto insurance. | | rating and premium collection |
| Bay City | | | | techniques by insurance companies |
| Brooklyn | | The quickest and easiest way to | | to maximize interest earnings on |
| Roanoke | | shop for new insurance is by | | premiums. |
| Miami | | comparing rates at InsWebs online | | |
| San Francisco | | marketplace. If you do it the | | Equity: The money value of an |
| Amarillo | | old-fashioned way (by calling or | | insurance company that is over and |
| Charleston | | visiting multiple agents or insurance | | above its liabilities. Liabilities include |
| Long Beach | | companies) it could take up a huge | | almost all of its reserves. |
| Aurora | | chunk of your time, which no one | | |
| Schaumburg | | wants or needs. By completing | | |
| Oxnard | | InsWebs online application, you will | | |
| Lowell | | have rates to compare to your old | | |
| Louisville | | ones within minutes! | | |
