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| Palo Alto | | The best time to switch policies is | | National Auto Theft Bureau: An |
| Gainesville | | within one month of receiving your | | organization engaged in the |
| Plano | | policy renewal from your current | | prevention and reduction of motor |
| Shreveport | | insurer. You can typically cancel your | | vehicle fire and theft losses. |
| Oxnard | | policy without any fees or penalties if | | |
| Boston | | you act within this time period. | | Mutualization: The process of |
| Boulder | | | | converting a stock insurer to a mutual |
| Bradenton | | The quickest and easiest way to | | insurer, accomplished by having the |
| Stamford | | shop for new insurance is by | | insurer buy stock and retire it. |
| Newburgh | | comparing rates at InsWebs online | | |
| Gainesville | | marketplace. If you do it the | | Valuation Clause: A clause stating the |
| Riverside | | old-fashioned way (by calling or | | value of items for insurance |
| Mountain View | | visiting multiple agents or insurance | | purposes, making it a valued policy. |
| Hollywood | | companies) it could take up a huge | | |
| Minneapolis | | chunk of your time, which no one | | First Party Insurance: Insurance which |
| Reno | | wants or needs. By completing | | applies to coverage for the insured's |
| Richmond | | InsWebs online application, you will | | own property or person. Contrast with |
| Jonesboro | | have rates to compare to your old | | Third Party Insurance. |
| Jackson | | ones within minutes! | | |
| Dallas | | | | Agent's Qualification Law: Education, |
| Brooklyn | | At InsWeb, you can compare free | | experience, and other requirements |
| Bethlehem | | online insurance quotes from many of | | imposed by the state upon persons |
| Columbus | | the nations leading insurance | | desiring to be licensed as agents. |
| San Bernardino | | companies. | | |
| Lowell | | | | Deficit Carried Forward: The transfer |
| Longwood | | Healthy people have the best | | of a debit balance from one |
| Inglewood | | mortality risks and thus are much | | accounting period to another. |
| Lawton | | cheaper for companies to insure. This | | |
| Tucson | | translates into lower rates for the | | Insurance Examiner: The |
| Orange Park | | Super Preferred customer than | | representative of a state insurance |
| Boise | | someone with higher risk factors such | | department assigned to participate in |
| Muncie | | as a heart condition, cancer or | | the official audit and examination of |
| Huntington Beach | | diabetes. Conversely, if you were | | an insurer. |
| Houma | | unhealthy when you acquired your | | |
| Fort Myers | | policy, and your health has now | | |
| Irving | | improved, it might be time to shop for | | |
| Sacramento | | a new policy, as your rates are likely | | |
| Brooklyn | | to be lower. | | |
