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| Cincinnati | | While some companies raise their | | Professional Insurance Agents |
| Rochester | | prices based on your actual age, | | Association: A trade association of |
| Long Island City | | most companies increase the price of | | mutual insurance agents. |
| Shreveport | | their policies six months before your | | |
| Greensboro | | birthday. Its a term called Age | | Examiner: An employee assigned by |
| Anaheim | | Nearest in the industry, and that | | the state insurance department to |
| Davenport | | half-year price increase could really | | audit insurers' records. |
| Pueblo | | add up over a 20-year term policy. As | | |
| Hartford | | above, the quicker you purchase your | | Short-Term Policy: A policy written for |
| Newport News | | policy the better. | | a period of less time than is normal for |
| South Bend | | | | that type of policy. |
| Hickory | | Shopping around is the best way to | | |
| Pueblo | | save money on your insurance. | | Partial Loss: A loss covered by an |
| Pueblo | | | | insurance policy which does not |
| Washington | | If you have noticed that your auto | | completely destroy or render |
| Naples | | insurance rates are still increasing | | worthless the insured property. |
| Asheville | | with each renewal, or even have not | | |
| Conroe | | gone down even though you have a | | Expense Allowance: A compensation |
| Quincy | | great driving record, this lower pricing | | paid to an insurance agent in excess |
| Santa Ana | | trend makes it more important then | | of prescribed commissions. |
| Flint | | ever that you shop around for auto | | |
| Cedar Rapids | | insurance. | | Loss Adjustment Expense: The cost |
| Las Vegas | | | | of adjusting losses, excluding the |
| Belleville | | Everyone has different needs, and | | amount of the loss itself. |
| York | | not one size fits all when it comes to | | |
| Redlands | | term life insurance. While it may make | | Operating Expense: The expense of |
| Columbus | | sense for people in their 30s and 40s | | an insurer other than commissions |
| Riverside | | to secure a 20-year term length, a | | and taxes. Called " and Insurance |
| Tulsa | | 10-year term might be more | | Expense" in the convention statement |
| Johnstown | | appropriate for someone nearing | | blank. |
| White Plains | | retirement. | | |
| Evanston | | | | Valuation Clause: A clause stating the |
| Kalamazoo | | The quickest and easiest way to | | value of items for insurance |
| Toledo | | shop for new insurance is by | | purposes, making it a valued policy. |
| Columbus | | comparing rates at InsWebs online | | |
| Atlanta | | marketplace. If you do it the | | |
| Glendale | | old-fashioned way (by calling or | | |
| Hemet | | visiting multiple agents or insurance | | |
| Naperville | | companies) it could take up a huge | | |
| Escondido | | chunk of your time, which no one | | |
| Miami | | wants or needs. By completing | | |
| Staten Island | | InsWebs online application, you will | | |
| Berkeley | | have rates to compare to your old | | |
| Columbia | | ones within minutes! | | |
