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| Biloxi | | The quickest and easiest way to | | Sole Proprietorship: A business |
| Fresno | | shop for new insurance is by | | enterprise owned by one person who |
| Jackson | | comparing rates at InsWebs online | | is its manager and employee. |
| Pompano Beach | | marketplace. If you do it the | | |
| Springfield | | old-fashioned way (by calling or | | Other Insurance: The existence of |
| Council Bluffs | | visiting multiple agents or insurance | | other contracts covering the same |
| Bloomington | | companies) it could take up a huge | | interest and perils. |
| Athens | | chunk of your time, which no one | | |
| Cherry Hill | | wants or needs. By completing | | Insolvent Insurer: An insurer which is |
| Schenectady | | InsWebs online application, you will | | unable to meet its financial |
| Pompano Beach | | have rates to compare to your old | | obligations. |
| Naperville | | ones within minutes! | | |
| Dallas | | | | Renewal: The reestablishment of the |
| Cleveland | | The best time to switch policies is | | in-force status of a policy, the term of |
| Venice | | within one month of receiving your | | which has expired or will expire |
| Augusta | | policy renewal from your current | | unless it is renewed. |
| Billings | | insurer. You can typically cancel your | | |
| Springfield | | policy without any fees or penalties if | | Buy-Back" Deductible: A deductible |
| Pueblo | | you act within this time period. | | which may be eliminated for an |
| Franklin | | | | additional premium in order to |
| Boca Raton | | People who are trying to quit | | provide "first-dollar" coverage. |
| Davenport | | smoking, for example, might be best | | |
| Harrisburg | | suited purchasing a shorter term (and | | Overlapping Insurance: Coverage |
| Long Beach | | then replacing it with a longer term | | from two or more policies or insurers |
| Boulder | | policy when they qualify for | | which duplicates coverage of certain |
| High Point | | non-tobacco prices). | | risks. |
