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| New York | | If you have noticed that your auto | | Replacement: A new policy written to |
| Vineland | | insurance rates are still increasing | | take the place of one currently in force. |
| Riverside | | with each renewal, or even have not | | |
| Cincinnati | | gone down even though you have a | | Accident: An unplanned event, |
| Fullerton | | great driving record, this lower pricing | | unexpected and undesigned, which |
| Peoria | | trend makes it more important then | | occurs suddenly and at a definite |
| Columbus | | ever that you shop around for auto | | place. |
| Sterling Heights | | insurance. | | |
| Columbus | | | | Endorsement: A written or printed form |
| Lansing | | The quickest and easiest way to | | attached to the policy which alters |
| Savannah | | shop for new insurance is by | | provisions of the contract. |
| Mesa | | comparing rates at InsWebs online | | |
| Raleigh | | marketplace. If you do it the | | Policy Anniversary: The anniversary |
| Naples | | old-fashioned way (by calling or | | of the date of issue of a policy as |
| Las Vegas | | visiting multiple agents or insurance | | shown in the policy declarations. |
| Wilmington | | companies) it could take up a huge | | |
| Poughkeepsie | | chunk of your time, which no one | | Foreign Insurer: An insurer domiciled |
| Springfield | | wants or needs. By completing | | in a state of the United States other |
| Hollywood | | InsWebs online application, you will | | than the one in which the insured's |
| New Orleans | | have rates to compare to your old | | insurance is written. |
| Lima | | ones within minutes! | | |
| Greensboro | | | | Overlapping Insurance: Coverage |
| Winter Park | | While some companies raise their | | from two or more policies or insurers |
| Cedar Rapids | | prices based on your actual age, | | which duplicates coverage of certain |
| Overland Park | | most companies increase the price of | | risks. |
| Downey | | their policies six months before your | | |
| Hattiesburg | | birthday. Its a term called Age | | Admitted (or Allowed) Assets: Assets |
| Torrance | | Nearest in the industry, and that | | whose values are permitted by state |
| West Palm Beach | | half-year price increase could really | | law to be included in the annual |
| Macon | | add up over a 20-year term policy. As | | statement of the insurer. |
| Sioux Falls | | above, the quicker you purchase your | | |
| Akron | | policy the better. | | Losses Incurred: The total losses, |
| Glendale | | | | whether paid or not, sustained by an |
| Augusta | | Make sure you have a new policy in | | insurer during a given period, e.g., 12 |
| Rockford | | place before you cancel your old one | | months. |
| Glendale | | to avoid a lapse in coverage. This will | | |
| Yonkers | | also prevent having to figure out the | | |
| Providence | | amount of any unused premium that is | | |
| Hendersonville | | due to you from your old insurance | | |
| Woodbridge | | company, or having to spar with your | | |
| Bronx | | agent about exactly when your policy | | |
| Fort Lauderdale | | was cancelled and how much they | | |
| Waterloo | | owe you. | | |
