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| Anderson | | At InsWeb, you can compare free | | Fictitious Groups: Groups formed |
| Mesa | | online insurance quotes from many of | | primarily for the purpose of buying |
| Wichita | | the nations leading insurance | | insurance. Under the law such groups |
| Rochester | | companies. | | may not be underwritten. |
| Fredericksburg | | | | |
| Santa Rosa | | While some companies raise their | | Net Retention: The amount of |
| Garland | | prices based on your actual age, | | insurance that a ceding company |
| Sioux City | | most companies increase the price of | | keeps for its own account and does |
| Santa Rosa | | their policies six months before your | | not reinsure. |
| Spartanburg | | birthday. Its a term called Age | | |
| Oklahoma City | | Nearest in the industry, and that | | Short Rate Premium: The premium |
| Naples | | half-year price increase could really | | required for issuing a policy for a |
| Vineland | | add up over a 20-year term policy. As | | period less than its normal term. |
| Staten Island | | above, the quicker you purchase your | | |
| Cherry Hill | | policy the better. | | Insurance to Value: Insurance written |
| Orange | | | | in an amount approximating the value |
| Sacramento | | Why not take advantage of current | | of the property insured. |
| Franklin | | low prices? Many auto insurance | | |
| Toledo | | consumers are becoming educated | | Partnership: A business enterprise |
| Odessa | | on other companies, plans, and rates | | owned and operated by two or more |
| Oklahoma City | | that are available to them; ones that | | persons for the purpose of generating |
| Stuart | | could afford them significant savings | | business income and profits. |
| Hemet | | on their auto insurance. | | |
| Salt Lake City | | | | Agency Company: An insurance |
| Dallas | | We offer quotes for auto insurance, | | company that produces business |
| Panama City | | life insurance, homeowners | | through an agency network. Contrast |
| Toms River | | insurance, health insurance, term life | | with Direct Writer. |
| Pompano Beach | | insurance and more. | | |
| Cypress | | | | Expense Allowance: A compensation |
| Jackson | | If you decide to cancel your policy | | paid to an insurance agent in excess |
| Rome | | (after acquiring new coverage) | | of prescribed commissions. |
| Mobile | | outside of the 30-day period, you may | | |
| Louisville | | have to pay a fee or penalty. | | Director of Insurance: A title used in |
| Providence | | However, you may still save money | | some states for the head of the |
| Pensacola | | after paying the fee if your new policy | | department of insurance. |
| Akron | | affords you significant savings. So | | |
| Norfolk | | while it is best to wait until your | | |
| Newark | | receive your renewal notice, you CAN | | |
| Jonesboro | | cancel your policy at any time. | | |