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| Duluth | | People who are trying to quit | | Producer: A term applied to an agent, |
| Sterling Heights | | smoking, for example, might be best | | solicitor or other person who sells |
| Melbourne | | suited purchasing a shorter term (and | | insurance. |
| Lancaster | | then replacing it with a longer term | | |
| Johnson City | | policy when they qualify for | | Effective Date: The date on which the |
| Savannah | | non-tobacco prices). | | protection of an insurance policy or |
| Mansfield | | | | bond goes into effect. |
| Stockton | | If you decide to cancel your policy | | |
| Stockbridge | | (after acquiring new coverage) | | Divided Cover: The placing of |
| Washington | | outside of the 30-day period, you may | | insurance on a given subject or |
| Tempe | | have to pay a fee or penalty. | | object with more than one insurer. |
| Lubbock | | However, you may still save money | | |
| Santa Clara | | after paying the fee if your new policy | | Countersignature: The signature of a |
| Fredericksburg | | affords you significant savings. So | | licensed agent or representative on a |
| Canton | | while it is best to wait until your | | policy. |
| Phoenix | | receive your renewal notice, you CAN | | |
| Youngstown | | cancel your policy at any time. | | Indemnity: Restoration to the victim of |
| Rochester | | | | a loss by payment, repair, or |
| Vineland | | Shopping around is the best way to | | replacement. |
| Williamsburg | | save money on your insurance. | | |
| Cincinnati | | | | Brokerage Department: A department |
| Sterling Heights | | The best time to switch policies is | | of an insurer whose purpose is to |
| Clinton Township | | within one month of receiving your | | deal with brokers in the placing of |
| Hot Springs | | policy renewal from your current | | insurance. |
| Berkeley | | insurer. You can typically cancel your | | |
| Franklin | | policy without any fees or penalties if | | Notice of Cancellation: Written notice |
| Bronx | | you act within this time period. | | by an insurer of intent to cancel |
| San Antonio | | | | insurance, or written notice by an |
| Oakland | | Why not take advantage of current | | insured requesting cancellation. |
| Anderson | | low prices? Many auto insurance | | |
| Acworth | | consumers are becoming educated | | Liabilities: Money owed or expected |
| Gainesville | | on other companies, plans, and rates | | to be owed. Insurance company |
| Los Angeles | | that are available to them; ones that | | financial statements, for instance, |
| Sacramento | | could afford them significant savings | | show assets and liabilities. |
| Sioux Falls | | on their auto insurance. | | |
