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| Augusta | | The quickest and easiest way to | | Shock Loss: A catastrophic loss so |
| El Paso | | shop for new insurance is by | | large that it has a material effect on |
| Tallahassee | | comparing rates at InsWebs online | | the underwriting results of a company. |
| Huntington | | marketplace. If you do it the | | |
| Flint | | old-fashioned way (by calling or | | War Risk Insurance: Insurance |
| Fremont | | visiting multiple agents or insurance | | covering damage caused by war. |
| Billings | | companies) it could take up a huge | | Most often written by Ocean Marine |
| Naples | | chunk of your time, which no one | | Insurance companies covering |
| Winter Park | | wants or needs. By completing | | vessels. |
| Irving | | InsWebs online application, you will | | |
| High Point | | have rates to compare to your old | | Independent Contractor: One who |
| Longmont | | ones within minutes! | | agrees to perform according to a |
| Myrtle Beach | | | | contract and who is not an employee. |
| Huntington | | Individuals who have 30-year | | |
| Lima | | mortgages might want to consider a | | Loss Frequency: The number of times |
| Johnson City | | 30-year term to ensure that the house | | a loss occurs over a specific period |
| Palm Desert | | is protected throughout the period of | | of time. |
| High Point | | the loan. | | |
| Pensacola | | | | Index Bureau Experience: A measure |
| Pembroke Pines | | The best time to switch policies is | | of losses relating to claims reported |
| Scottsdale | | within one month of receiving your | | through a claim office during a |
| Saginaw | | policy renewal from your current | | 12-month period. |
| Oakland | | insurer. You can typically cancel your | | |
| Trenton | | policy without any fees or penalties if | | Coding: A method of putting |
| San Francisco | | you act within this time period. | | information into a numerical form for |
| Denver | | | | statistical use. Most information on |
| Syracuse | | At InsWeb, you can compare free | | policies is coded and then put into |
| Sacramento | | online insurance quotes from many of | | reports. |
| Lexington | | the nations leading insurance | | |
| Gaithersburg | | companies. | | Nonassignable: A policy that the |
| Lubbock | | | | owner cannot assign to a third party. |
| Lowell | | People who are trying to quit | | Most policies are nonassignable |
| Mansfield | | smoking, for example, might be best | | unless approval is given by the |
| Albany | | suited purchasing a shorter term (and | | insurer. |
| Anderson | | then replacing it with a longer term | | |
| Belleville | | policy when they qualify for | | |
| Jacksonville | | non-tobacco prices). | | |
