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| Poughkeepsie | | At InsWeb, you can compare free | | Loss Frequency: The number of times |
| Grand Prairie | | online insurance quotes from many of | | a loss occurs over a specific period |
| Chesapeake | | the nations leading insurance | | of time. |
| Chattanooga | | companies. | | |
| Chicago | | | | Short Rate Premium: The premium |
| Eugene | | Healthy people have the best | | required for issuing a policy for a |
| Fayetteville | | mortality risks and thus are much | | period less than its normal term. |
| Reno | | cheaper for companies to insure. This | | |
| San Antonio | | translates into lower rates for the | | Legislative Risk: A risk faced by |
| Grand Rapids | | Super Preferred customer than | | investors whereby changes in tax |
| Woodbridge | | someone with higher risk factors such | | laws can result in adverse effects on |
| Lexington | | as a heart condition, cancer or | | the individual's investment results. |
| Fremont | | diabetes. Conversely, if you were | | |
| Alexandria | | unhealthy when you acquired your | | Agency Company: An insurance |
| Ogden | | policy, and your health has now | | company that produces business |
| Duluth | | improved, it might be time to shop for | | through an agency network. Contrast |
| Chandler | | a new policy, as your rates are likely | | with Direct Writer. |
| Clarksville | | to be lower. | | |
| Venice | | | | Minimum Premium: The smallest |
| Huntington | | The best time to switch policies is | | amount of premium for which an |
| Belleville | | within one month of receiving your | | insurer will issue coverage under a |
| Gainesville | | policy renewal from your current | | given policy. |
| New Orleans | | insurer. You can typically cancel your | | |
| Milwaukee | | policy without any fees or penalties if | | Net Retention: The amount of |
| Fort Myers | | you act within this time period. | | insurance that a ceding company |
| Fayetteville | | | | keeps for its own account and does |
| Billings | | Why not take advantage of current | | not reinsure. |
| Charlotte | | low prices? Many auto insurance | | |
| Pasadena | | consumers are becoming educated | | Approved: The condition which exists |
| Turlock | | on other companies, plans, and rates | | when the person or object to be |
| Arlington | | that are available to them; ones that | | insured meets the underwriting |
| Ann Arbor | | could afford them significant savings | | standards of the insurer. |
| San Jose | | on their auto insurance. | | |
| Rockville | | | | Liquidity: The ability of an insurer to |
| Coral Springs | | | | convert its assets into cash to pay |
| Zanesville | | | | claims if necessary. |
