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| Vineland | | We offer quotes for auto insurance, | | Net Interest Earned: The average |
| Fort Smith | | life insurance, homeowners | | interest earned by an insurer on its |
| Reading | | insurance, health insurance, term life | | investments after investment expense |
| Jersey City | | insurance and more. | | but before federal income taxes. |
| El Cajon | | | | |
| Allentown | | If you decide to cancel your policy | | Agency Company: An insurance |
| Warren | | (after acquiring new coverage) | | company that produces business |
| Topeka | | outside of the 30-day period, you may | | through an agency network. Contrast |
| Bloomington | | have to pay a fee or penalty. | | with Direct Writer. |
| Pueblo | | However, you may still save money | | |
| Tyler | | after paying the fee if your new policy | | Captive Agent: One who sells |
| Akron | | affords you significant savings. So | | insurance for only one company as |
| Fall River | | while it is best to wait until your | | opposed to an agent who represents |
| Flint | | receive your renewal notice, you CAN | | several companies. |
| El Paso | | cancel your policy at any time. | | |
| Venice | | | | Accident Year Experience: Measures |
| Longwood | | Why not take advantage of current | | premiums and losses relating to |
| Philadelphia | | low prices? Many auto insurance | | accidents which occurred during a |
| Johnson City | | consumers are becoming educated | | 12-month period. |
| Bloomington | | on other companies, plans, and rates | | |
| Fall River | | that are available to them; ones that | | Society of Insurance Research: An |
| Franklin | | could afford them significant savings | | organization which encourages |
| Belleville | | on their auto insurance. | | insurance research and promotes the |
| Gaithersburg | | | | exchange of ideas and methods of |
| Berkeley | | While some companies raise their | | research. |
| Walnut Creek | | prices based on your actual age, | | |
| Duluth | | most companies increase the price of | | Professional Insurance Agents |
| Durham | | their policies six months before your | | Association: A trade association of |
| Milwaukee | | birthday. Its a term called Age | | mutual insurance agents. |
| Kingsport | | Nearest in the industry, and that | | |
| Kansas City | | half-year price increase could really | | Coding: A method of putting |
| Henderson | | add up over a 20-year term policy. As | | information into a numerical form for |
| Fort Smith | | above, the quicker you purchase your | | statistical use. Most information on |
| Daytona Beach | | policy the better. | | policies is coded and then put into |
| Pensacola | | | | reports. |
