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| Winter Haven | | The quickest and easiest way to | | Criticism: A correction suggested by a |
| Fort Myers | | shop for new insurance is by | | rating or auditing bureau to an insurer. |
| Midland | | comparing rates at InsWebs online | | |
| Quincy | | marketplace. If you do it the | | Loss Frequency: The number of times |
| Daytona Beach | | old-fashioned way (by calling or | | a loss occurs over a specific period |
| Sioux City | | visiting multiple agents or insurance | | of time. |
| Greenville | | companies) it could take up a huge | | |
| Dubuque | | chunk of your time, which no one | | Premises: The particular location of |
| Orange Park | | wants or needs. By completing | | property or a portion thereof as |
| Santa Rosa | | InsWebs online application, you will | | designated in a policy. |
| Hattiesburg | | have rates to compare to your old | | |
| Pasadena | | ones within minutes! | | Incurred Expense: Expenses not yet |
| Anchorage | | | | paid. Can also include paid |
| Tuscaloosa | | The best time to switch policies is | | expenses in some accounting |
| Glendale | | within one month of receiving your | | systems. |
| Lafayette | | policy renewal from your current | | |
| Montgomery | | insurer. You can typically cancel your | | First Party Insurance: Insurance which |
| Fremont | | policy without any fees or penalties if | | applies to coverage for the insured's |
| Biloxi | | you act within this time period. | | own property or person. Contrast with |
| Myrtle Beach | | | | Third Party Insurance. |
| Jackson | | We offer quotes for auto insurance, | | |
| Schaumburg | | life insurance, homeowners | | Provisional Rate: Tentative rates, |
| Boynton Beach | | insurance, health insurance, term life | | premiums or commissions that are |
| Odessa | | insurance and more. | | subject to subsequent adjustment. |
| Gulfport | | | | See Commission and Premium. |
| Columbus | | Why not take advantage of current | | |
| Kalamazoo | | low prices? Many auto insurance | | Paid-In Surplus: Surplus paid in by |
| Lake Charles | | consumers are becoming educated | | stockholders, as contrasted with |
| Goldsboro | | on other companies, plans, and rates | | surplus earned through the |
| Duluth | | that are available to them; ones that | | operations of a business. |
| Miami | | could afford them significant savings | | |
| Cambridge | | on their auto insurance. | | Earned Income: The money |
| Kansas City | | | | individuals earn as a result of working |
| Lancaster | | Everyone has different needs, and | | at some job or occupation for which |
| Warwick | | not one size fits all when it comes to | | they are paid a salary. |
| Corpus Christi | | term life insurance. While it may make | | |
| Tulsa | | sense for people in their 30s and 40s | | |
| Pueblo | | to secure a 20-year term length, a | | |
| Independence | | 10-year term might be more | | |
| Long Beach | | appropriate for someone nearing | | |
| Asheville | | retirement. | | |
