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| Garland | | At InsWeb, you can compare free | | Theory of Probability: The |
| Franklin | | online insurance quotes from many of | | mathematical principle upon which |
| Youngstown | | the nations leading insurance | | insurance is based. |
| Gainesville | | companies. | | |
| Wichita | | | | Standard Industry Code (SIC): This is |
| Dothan | | People who are trying to quit | | a coding system which assigns |
| Edison | | smoking, for example, might be best | | separate codes for different types of |
| Plano | | suited purchasing a shorter term (and | | industries. |
| Santa Clara | | then replacing it with a longer term | | |
| Valdosta | | policy when they qualify for | | Premium: The price of insurance |
| Boston | | non-tobacco prices). | | protection for a specified risk for a |
| Louisville | | | | specified period of time. |
| Rochester | | While some companies raise their | | |
| Fort Collins | | prices based on your actual age, | | Society of Insurance Research: An |
| Milwaukee | | most companies increase the price of | | organization which encourages |
| Fall River | | their policies six months before your | | insurance research and promotes the |
| Slidell | | birthday. Its a term called Age | | exchange of ideas and methods of |
| Reading | | Nearest in the industry, and that | | research. |
| South Bend | | half-year price increase could really | | |
| Richmond | | add up over a 20-year term policy. As | | Deductible: The portion of an insured |
| Pittsburgh | | above, the quicker you purchase your | | loss to be borne by the insured |
| Jackson | | policy the better. | | before he is entitled to recovery from |
| Naples | | | | the insurer. |
| Bellevue | | Shopping around is the best way to | | |
| Kalamazoo | | save money on your insurance. | | Criticism: A correction suggested by a |
| Salem | | | | rating or auditing bureau to an insurer. |
| Wilmington | | If you decide to cancel your policy | | |
| Metairie | | (after acquiring new coverage) | | Deficit Carried Forward: The transfer |
| Tampa | | outside of the 30-day period, you may | | of a debit balance from one |
| Santa Monica | | have to pay a fee or penalty. | | accounting period to another. |
| Henderson | | However, you may still save money | | |
| Rockford | | after paying the fee if your new policy | | Nonassignable: A policy that the |
| Lakewood | | affords you significant savings. So | | owner cannot assign to a third party. |
| White Plains | | while it is best to wait until your | | Most policies are nonassignable |
| Olympia | | receive your renewal notice, you CAN | | unless approval is given by the |
| Fayetteville | | cancel your policy at any time. | | insurer. |
