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| Santa Barbara | | People who are trying to quit | | Insurance Policy: The printed form |
| Springfield | | smoking, for example, might be best | | which serves as the contract between |
| Flint | | suited purchasing a shorter term (and | | an insurer and an insured. |
| Rapid City | | then replacing it with a longer term | | |
| Florence | | policy when they qualify for | | Claim Report: A report filed by an |
| Decatur | | non-tobacco prices). | | agent setting forth the facts of a claim. |
| Youngstown | | | | Same as Loss Report. |
| Myrtle Beach | | The quickest and easiest way to | | |
| Durham | | shop for new insurance is by | | Retrospective Premium: The final |
| Lancaster | | comparing rates at InsWebs online | | premium in a retrospective rating |
| Longmont | | marketplace. If you do it the | | plan. See Retrospective Rating. |
| Southfield | | old-fashioned way (by calling or | | |
| Houston | | visiting multiple agents or insurance | | Agency Contract (or Agreement): The |
| Downey | | companies) it could take up a huge | | document which establishes the legal |
| Garland | | chunk of your time, which no one | | relationship between an agent and an |
| New York | | wants or needs. By completing | | insurer. |
| Vineland | | InsWebs online application, you will | | |
| Des Moines | | have rates to compare to your old | | Overlapping Insurance: Coverage |
| Palm Harbor | | ones within minutes! | | from two or more policies or insurers |
| Las Vegas | | | | which duplicates coverage of certain |
| Mesquite | | We offer quotes for auto insurance, | | risks. |
| Shreveport | | life insurance, homeowners | | |
| Jackson | | insurance, health insurance, term life | | Fictitious Groups: Groups formed |
| Shreveport | | insurance and more. | | primarily for the purpose of buying |
| Lexington | | | | insurance. Under the law such groups |
| Minneapolis | | Shopping around is the best way to | | may not be underwritten. |
| Midland | | save money on your insurance. | | |
| Saginaw | | | | Equity: The money value of an |
| Flint | | Make sure you have a new policy in | | insurance company that is over and |
| Asheville | | place before you cancel your old one | | above its liabilities. Liabilities include |
| Orange | | to avoid a lapse in coverage. This will | | almost all of its reserves. |
| Springfield | | also prevent having to figure out the | | |
| Mountain View | | amount of any unused premium that is | | Commingling: An illegal practice |
| Edmond | | due to you from your old insurance | | which occurs when an agent mixes |
| Columbia | | company, or having to spar with your | | personal funds with the insured's or |
| Huntington Beach | | agent about exactly when your policy | | insurer's funds. |
| Delray Beach | | was cancelled and how much they | | |
| Portland | | owe you. | | |
