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| Dubuque | | While some companies raise their | | Business: In Property, Liability, and |
| Westbury | | prices based on your actual age, | | Health lines, it usually refers to the |
| Inglewood | | most companies increase the price of | | volume of premiums. |
| Santa Clara | | their policies six months before your | | |
| New Orleans | | birthday. Its a term called Age | | Appraisal: An evaluation of property |
| Johnson City | | Nearest in the industry, and that | | made to ascertain either the |
| Gainesville | | half-year price increase could really | | appropriate amount of insurance to |
| Columbia | | add up over a 20-year term policy. As | | be written or the amount of loss to be |
| New York | | above, the quicker you purchase your | | paid. |
| Virginia Beach | | policy the better. | | |
| Killeen | | | | Convention Values: Values assigned |
| Bellevue | | Individuals who have 30-year | | to insurers' assets in the convention |
| Bradenton | | mortgages might want to consider a | | blank. |
| Boulder | | 30-year term to ensure that the house | | |
| Malden | | is protected throughout the period of | | Inspection: Independent checking on |
| Oxnard | | the loan. | | facts about an applicant, |
| Pompano Beach | | | | policyholder, or claimant, usually by a |
| South Bend | | The best time to switch policies is | | commercial inspection agency. |
| Norwalk | | within one month of receiving your | | |
| San Jose | | policy renewal from your current | | Borderline Risk: An insurance |
| Dubuque | | insurer. You can typically cancel your | | prospect of doubtful quality from an |
| Colorado Springs | | policy without any fees or penalties if | | underwriting point of view. |
| Harrisburg | | you act within this time period. | | |
| Fremont | | | | Partial Loss: A loss covered by an |
| Grand Prairie | | Shopping around is the best way to | | insurance policy which does not |
| Salt Lake City | | save money on your insurance. | | completely destroy or render |
| Bethlehem | | | | worthless the insured property. |
| Plano | | At InsWeb, you can compare free | | |
| Staten Island | | online insurance quotes from many of | | Coding: A method of putting |
| Ventura | | the nations leading insurance | | information into a numerical form for |
| San Jose | | companies. | | statistical use. Most information on |
| Sumter | | | | policies is coded and then put into |
| Santa Ana | | Healthy people have the best | | reports. |
| Memphis | | mortality risks and thus are much | | |
| Lakeland | | cheaper for companies to insure. This | | |
| Allentown | | translates into lower rates for the | | |
| Augusta | | Super Preferred customer than | | |
| Trenton | | someone with higher risk factors such | | |
| Grand Rapids | | as a heart condition, cancer or | | |
| Decatur | | diabetes. Conversely, if you were | | |
| Florissant | | unhealthy when you acquired your | | |
| Newport News | | policy, and your health has now | | |
| Springfield | | improved, it might be time to shop for | | |
| Costa Mesa | | a new policy, as your rates are likely | | |
| Daytona Beach | | to be lower. | | |
