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| Vancouver | | If you have noticed that your auto | | Renewal: The reestablishment of the |
| Houma | | insurance rates are still increasing | | in-force status of a policy, the term of |
| Grand Junction | | with each renewal, or even have not | | which has expired or will expire |
| Des Moines | | gone down even though you have a | | unless it is renewed. |
| St. Joseph | | great driving record, this lower pricing | | |
| Chattanooga | | trend makes it more important then | | Index Bureau Experience: A measure |
| Trenton | | ever that you shop around for auto | | of losses relating to claims reported |
| Flint | | insurance. | | through a claim office during a |
| Pueblo | | | | 12-month period. |
| Birmingham | | At InsWeb, you can compare free | | |
| Portsmouth | | online insurance quotes from many of | | Agency: An insurance sales office |
| Schenectady | | the nations leading insurance | | which is directed by a agent, |
| Johnson City | | companies. | | manager, independent agent, or |
| Lake Worth | | | | company manager. |
| Tacoma | | Healthy people have the best | | |
| El Paso | | mortality risks and thus are much | | FICA. Federal Insurance Contributions |
| Des Moines | | cheaper for companies to insure. This | | Act: A law imposing a payroll tax to |
| Peoria | | translates into lower rates for the | | assist in funding Social Security |
| Portland | | Super Preferred customer than | | benefits. |
| Aurora | | someone with higher risk factors such | | |
| Alpharetta | | as a heart condition, cancer or | | Approved: The condition which exists |
| Glendale | | diabetes. Conversely, if you were | | when the person or object to be |
| Stockbridge | | unhealthy when you acquired your | | insured meets the underwriting |
| Belleville | | policy, and your health has now | | standards of the insurer. |
| Albany | | improved, it might be time to shop for | | |
| Portland | | a new policy, as your rates are likely | | Fictitious Groups: Groups formed |
| Delray Beach | | to be lower. | | primarily for the purpose of buying |
| Anaheim | | | | insurance. Under the law such groups |
| Trenton | | Shopping around is the best way to | | may not be underwritten. |
| Huntington Beach | | save money on your insurance. | | |
| Hemet | | | | Deficit Carried Forward: The transfer |
| Colorado Springs | | The quickest and easiest way to | | of a debit balance from one |
| Morristown | | shop for new insurance is by | | accounting period to another. |
| Oxnard | | comparing rates at InsWebs online | | |
| Dothan | | marketplace. If you do it the | | |
| Scranton | | old-fashioned way (by calling or | | |
| Gainesville | | visiting multiple agents or insurance | | |
| Rapid City | | companies) it could take up a huge | | |
| Baltimore | | chunk of your time, which no one | | |
| Palm Desert | | wants or needs. By completing | | |
| Chicago | | InsWebs online application, you will | | |
| Beaumont | | have rates to compare to your old | | |
| Arlington | | ones within minutes! | | |
