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| Stockton | | Individuals who have 30-year | | Public Adjuster: An insurance adjuster |
| Tallahassee | | mortgages might want to consider a | | who represents an insured on a fee |
| Boulder | | 30-year term to ensure that the house | | basis in claims settlement. Contrast |
| Jonesboro | | is protected throughout the period of | | with Independent Adjuster. |
| Irving | | the loan. | | |
| El Paso | | | | Burning Ratio: The ratio of losses |
| Fayetteville | | Healthy people have the best | | suffered to the amount of insurance in |
| Long Beach | | mortality risks and thus are much | | effect. |
| Richmond | | cheaper for companies to insure. This | | |
| Fremont | | translates into lower rates for the | | Interstate Carrier: A transportation |
| Palo Alto | | Super Preferred customer than | | company which does business |
| Orange | | someone with higher risk factors such | | across state lines. |
| Tyler | | as a heart condition, cancer or | | |
| Chandler | | diabetes. Conversely, if you were | | Partial Loss: A loss covered by an |
| Norwalk | | unhealthy when you acquired your | | insurance policy which does not |
| Cookeville | | policy, and your health has now | | completely destroy or render |
| Lancaster | | improved, it might be time to shop for | | worthless the insured property. |
| Columbus | | a new policy, as your rates are likely | | |
| Kansas City | | to be lower. | | Producer: A term applied to an agent, |
| Winter Haven | | | | solicitor or other person who sells |
| Owensboro | | The quickest and easiest way to | | insurance. |
| Stockton | | shop for new insurance is by | | |
| Bradenton | | comparing rates at InsWebs online | | Line of Business: The classification of |
| Lowell | | marketplace. If you do it the | | business as utilized in the insurance |
| Racine | | old-fashioned way (by calling or | | industry, e.g., Fire, Allied Lines and |
| High Point | | visiting multiple agents or insurance | | Homeowners. |
| St. Joseph | | companies) it could take up a huge | | |
| Johnstown | | chunk of your time, which no one | | Commercial Lines: This term is used |
| Belleville | | wants or needs. By completing | | to refer to insurance for businesses, |
| Columbia | | InsWebs online application, you will | | professionals, and commercial |
| Omaha | | have rates to compare to your old | | establishments. |
| Fayetteville | | ones within minutes! | | |
| Reading | | | | Lapsed Policy: One which has been |
| Rome | | While some companies raise their | | allowed to expire because of |
| Southfield | | prices based on your actual age, | | nonpayment of premiums. |
| Lubbock | | most companies increase the price of | | |
| Dearborn | | their policies six months before your | | |
| Oklahoma City | | birthday. Its a term called Age | | |
| Arlington | | Nearest in the industry, and that | | |
| Denton | | half-year price increase could really | | |
| Newport News | | add up over a 20-year term policy. As | | |
| Sterling Heights | | above, the quicker you purchase your | | |
| Gaithersburg | | policy the better. | | |
