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| Waco | | Make sure you have a new policy in | | New For Old: Replacing old |
| Ocala | | place before you cancel your old one | | damaged parts or equipment with |
| Warwick | | to avoid a lapse in coverage. This will | | new ones rather than repairing them. |
| Indianapolis | | also prevent having to figure out the | | |
| Bethlehem | | amount of any unused premium that is | | Collusion: An agreement, usually |
| Albuquerque | | due to you from your old insurance | | secret, between two or more persons |
| Marietta | | company, or having to spar with your | | to defraud or deprive another or |
| Spring Hill | | agent about exactly when your policy | | others of their property or rights. |
| Duluth | | was cancelled and how much they | | |
| Morristown | | owe you. | | Losses Incurred: The total losses, |
| Sarasota | | | | whether paid or not, sustained by an |
| Longview | | While some companies raise their | | insurer during a given period, e.g., 12 |
| Jackson | | prices based on your actual age, | | months. |
| Jackson | | most companies increase the price of | | |
| Richmond | | their policies six months before your | | Interstate Carrier: A transportation |
| Dayton | | birthday. Its a term called Age | | company which does business |
| Tampa | | Nearest in the industry, and that | | across state lines. |
| Corona | | half-year price increase could really | | |
| Little Rock | | add up over a 20-year term policy. As | | Multi-Peril Policies: Policies which |
| Huntington | | above, the quicker you purchase your | | cover a number of perils, such as fire, |
| Escondido | | policy the better. | | burglary, and liability, in a single |
| Redlands | | | | contract. |
| Evanston | | The best time to switch policies is | | |
| Rockford | | within one month of receiving your | | Deficit Carried Forward: The transfer |
| Seattle | | policy renewal from your current | | of a debit balance from one |
| Lakewood | | insurer. You can typically cancel your | | accounting period to another. |
| Lincoln | | policy without any fees or penalties if | | |
| Eugene | | you act within this time period. | | Agency: An insurance sales office |
| Lawrenceville | | | | which is directed by a agent, |
| Mansfield | | At InsWeb, you can compare free | | manager, independent agent, or |
| Des Moines | | online insurance quotes from many of | | company manager. |
| Brooklyn | | the nations leading insurance | | |
| Bloomington | | companies. | | Time Limits: The limits of time within |
| Boulder | | | | which notice of a claim and proof of a |
| Biloxi | | | | loss must be submitted. |
