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| Valdosta | | Shopping around is the best way to | | New For Old: Replacing old |
| San Jose | | save money on your insurance. | | damaged parts or equipment with |
| Palm Harbor | | | | new ones rather than repairing them. |
| Hendersonville | | The quickest and easiest way to | | |
| Belleville | | shop for new insurance is by | | Underwriters Laboratories, Inc. (UL): A |
| Fairfax | | comparing rates at InsWebs online | | testing laboratory for manufactured |
| Cleveland | | marketplace. If you do it the | | items to determine their safety |
| Anderson | | old-fashioned way (by calling or | | propensities. |
| Schaumburg | | visiting multiple agents or insurance | | |
| Duluth | | companies) it could take up a huge | | Minimum Premium: The smallest |
| Augusta | | chunk of your time, which no one | | amount of premium for which an |
| Goldsboro | | wants or needs. By completing | | insurer will issue coverage under a |
| Dayton | | InsWebs online application, you will | | given policy. |
| Philadelphia | | have rates to compare to your old | | |
| Malden | | ones within minutes! | | Domestic Insurer (or Company): An |
| Malden | | | | insurer formed under the laws of the |
| El Cajon | | People who are trying to quit | | state in which the insurance is written. |
| Tuscaloosa | | smoking, for example, might be best | | |
| Albuquerque | | suited purchasing a shorter term (and | | Theory of Probability: The |
| Longmont | | then replacing it with a longer term | | mathematical principle upon which |
| Midland | | policy when they qualify for | | insurance is based. |
| Kalamazoo | | non-tobacco prices). | | |
| Columbus | | | | Indemnity: Restoration to the victim of |
| Alexandria | | Life insurance, specifically Term Life, | | a loss by payment, repair, or |
| Pembroke Pines | | is arguably one of the best values in | | replacement. |
| Hampton | | the entire financial services arena. | | |
| Oklahoma City | | Where else can you go and get | | Retail Credit Company: The former |
| Columbus | | hundreds of thousands of dollars in | | name of Equifax, a credit reporting |
| Dallas | | protection for literally pennies per | | organization. See Equifax. |
| Jacksonville | | day? Rates for Term Life insurance | | |
| Staten Island | | remain at all-time lows, and now is the | | Standard Industry Code (SIC): This is |
| Westbury | | time to lock in the best prices. | | a coding system which assigns |
| Southfield | | | | separate codes for different types of |
| Longwood | | Make sure you have a new policy in | | industries. |
| Cleveland | | place before you cancel your old one | | |
| Hemet | | to avoid a lapse in coverage. This will | | |
| Kansas City | | also prevent having to figure out the | | |
| Portland | | amount of any unused premium that is | | |
| Savannah | | due to you from your old insurance | | |
| Pensacola | | company, or having to spar with your | | |
| Longwood | | agent about exactly when your policy | | |
| Tyler | | was cancelled and how much they | | |
| Goldsboro | | owe you. | | |
