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| Dayton | | At InsWeb, you can compare free | | Replacement: A new policy written to |
| Westbury | | online insurance quotes from many of | | take the place of one currently in force. |
| Dayton | | the nations leading insurance | | |
| Scottsdale | | companies. | | Professional Insurance Agents |
| Edison | | | | Association: A trade association of |
| Glendale | | The quickest and easiest way to | | mutual insurance agents. |
| Riverside | | shop for new insurance is by | | |
| San Bernardino | | comparing rates at InsWebs online | | Borderline Risk: An insurance |
| Pensacola | | marketplace. If you do it the | | prospect of doubtful quality from an |
| Youngstown | | old-fashioned way (by calling or | | underwriting point of view. |
| Jackson | | visiting multiple agents or insurance | | |
| Toms River | | companies) it could take up a huge | | Public Adjuster: An insurance adjuster |
| Erie | | chunk of your time, which no one | | who represents an insured on a fee |
| Portland | | wants or needs. By completing | | basis in claims settlement. Contrast |
| Fort Wayne | | InsWebs online application, you will | | with Independent Adjuster. |
| Lexington | | have rates to compare to your old | | |
| Newark | | ones within minutes! | | Independent Contractor: One who |
| Nashua | | | | agrees to perform according to a |
| Santa Clara | | Healthy people have the best | | contract and who is not an employee. |
| Anchorage | | mortality risks and thus are much | | |
| Manchester | | cheaper for companies to insure. This | | Accident Year Experience: Measures |
| Jasper | | translates into lower rates for the | | premiums and losses relating to |
| Cherry Hill | | Super Preferred customer than | | accidents which occurred during a |
| Waterloo | | someone with higher risk factors such | | 12-month period. |
| Yonkers | | as a heart condition, cancer or | | |
| Oakland | | diabetes. Conversely, if you were | | Accidental Bodily Injury: An injury |
| West Chester | | unhealthy when you acquired your | | sustained accidentally. Only the result |
| Flint | | policy, and your health has now | | need be accidental. Contrast with |
| Roanoke | | improved, it might be time to shop for | | Accidental Means. |
| Fullerton | | a new policy, as your rates are likely | | |
| Minneapolis | | to be lower. | | Accident: An unplanned event, |
| Woodbridge | | | | unexpected and undesigned, which |
| Riverside | | While some companies raise their | | occurs suddenly and at a definite |
| Lawton | | prices based on your actual age, | | place. |
| Corona | | most companies increase the price of | | |
| Mansfield | | their policies six months before your | | |
| Madison | | birthday. Its a term called Age | | |
| Springfield | | Nearest in the industry, and that | | |
| Williamsburg | | half-year price increase could really | | |
| Malden | | add up over a 20-year term policy. As | | |
| Fresno | | above, the quicker you purchase your | | |
| Virginia Beach | | policy the better. | | |
