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| Poughkeepsie | | The best time to switch policies is | | Society of Insurance Research: An |
| Irvine | | within one month of receiving your | | organization which encourages |
| Waterloo | | policy renewal from your current | | insurance research and promotes the |
| Memphis | | insurer. You can typically cancel your | | exchange of ideas and methods of |
| Bakersfield | | policy without any fees or penalties if | | research. |
| Houston | | you act within this time period. | | |
| Joliet | | | | Amendment: A formal document |
| Elkhart | | The quickest and easiest way to | | which corrects or revises an |
| Palm Desert | | shop for new insurance is by | | insurance master policy. |
| Staten Island | | comparing rates at InsWebs online | | |
| Livonia | | marketplace. If you do it the | | Accident Year Experience: Measures |
| Santa Ana | | old-fashioned way (by calling or | | premiums and losses relating to |
| Salem | | visiting multiple agents or insurance | | accidents which occurred during a |
| Valdosta | | companies) it could take up a huge | | 12-month period. |
| Chesapeake | | chunk of your time, which no one | | |
| Mansfield | | wants or needs. By completing | | Underinsurance: A condition in which |
| Denton | | InsWebs online application, you will | | not enough insurance is carried to |
| Cookeville | | have rates to compare to your old | | cover the insurable value. |
| Mobile | | ones within minutes! | | |
| Burbank | | | | Authorized Insurer: An insurer |
| Pembroke Pines | | Shopping around is the best way to | | authorized by the state to transact |
| Rapid City | | save money on your insurance. | | business in that state for specific |
| Saginaw | | | | types of insurance. |
| Tuscaloosa | | Make sure you have a new policy in | | |
| Hemet | | place before you cancel your old one | | Accident: An unplanned event, |
| Flushing | | to avoid a lapse in coverage. This will | | unexpected and undesigned, which |
| Minneapolis | | also prevent having to figure out the | | occurs suddenly and at a definite |
| San Diego | | amount of any unused premium that is | | place. |
| Clarksville | | due to you from your old insurance | | |
| Cypress | | company, or having to spar with your | | Dual Life Stock Company: A stock |
| Bronx | | agent about exactly when your policy | | Life insurer issuing both participating |
| Indianapolis | | was cancelled and how much they | | and nonparticipating policy contracts. |
| Nashua | | owe you. | | |
| Olympia | | | | Partial Loss: A loss covered by an |
| Minneapolis | | | | insurance policy which does not |
| Dothan | | | | completely destroy or render |
| Boynton Beach | | | | worthless the insured property. |
