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| Albany | | The quickest and easiest way to | | Insurance Policy: The printed form |
| Tacoma | | shop for new insurance is by | | which serves as the contract between |
| Denver | | comparing rates at InsWebs online | | an insurer and an insured. |
| Lakewood | | marketplace. If you do it the | | |
| Marietta | | old-fashioned way (by calling or | | Society of Insurance Research: An |
| New York | | visiting multiple agents or insurance | | organization which encourages |
| Milwaukee | | companies) it could take up a huge | | insurance research and promotes the |
| Flushing | | chunk of your time, which no one | | exchange of ideas and methods of |
| Sarasota | | wants or needs. By completing | | research. |
| Albany | | InsWebs online application, you will | | |
| Birmingham | | have rates to compare to your old | | Basic Rate: The manual rate from |
| Portsmouth | | ones within minutes! | | which discounts are taken or to which |
| Indianapolis | | | | charges are added to reflect the |
| Ogden | | Make sure you have a new policy in | | individual circumstances of a risk. |
| Lincoln | | place before you cancel your old one | | |
| Ventura | | to avoid a lapse in coverage. This will | | Examiner: An employee assigned by |
| Cypress | | also prevent having to figure out the | | the state insurance department to |
| Stockbridge | | amount of any unused premium that is | | audit insurers' records. |
| Lake Worth | | due to you from your old insurance | | |
| Stuart | | company, or having to spar with your | | Stock Option Plan: Surviving |
| Westbury | | agent about exactly when your policy | | stockholders have the option to |
| Muskegon | | was cancelled and how much they | | purchase or not purchase the shares |
| Oceanside | | owe you. | | of a deceased stockholder. |
