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| Slidell | | Make sure you have a new policy in | | Calendar Year Experience: This |
| Duluth | | place before you cancel your old one | | measures the premiums and losses |
| Cambridge | | to avoid a lapse in coverage. This will | | entered on accounting records during |
| Orange | | also prevent having to figure out the | | the 12-month calendar. |
| Lakewood | | amount of any unused premium that is | | |
| Las Cruces | | due to you from your old insurance | | Agent's Balance: A periodic |
| Orange Park | | company, or having to spar with your | | statement of the sums due and owed |
| Knoxville | | agent about exactly when your policy | | to an agent under the agent's contract |
| Amarillo | | was cancelled and how much they | | with an insurer. |
| Pensacola | | owe you. | | |
| Biloxi | | | | Provisional Rate: Tentative rates, |
| Duluth | | We offer quotes for auto insurance, | | premiums or commissions that are |
| St. Louis | | life insurance, homeowners | | subject to subsequent adjustment. |
| Burbank | | insurance, health insurance, term life | | See Commission and Premium. |
| Lawton | | insurance and more. | | |
| Bronx | | | | Business: In Property, Liability, and |
| Macon | | If you have noticed that your auto | | Health lines, it usually refers to the |
| Harlingen | | insurance rates are still increasing | | volume of premiums. |
| Cherry Hill | | with each renewal, or even have not | | |
| Bellevue | | gone down even though you have a | | Open Rating: A system whereby a |
| Jacksonville | | great driving record, this lower pricing | | state allows an insurer to use rates |
| Austin | | trend makes it more important then | | without prior approval. |
| Hendersonville | | ever that you shop around for auto | | |
| Newburgh | | insurance. | | Effective Date: The date on which the |
| Spartanburg | | | | protection of an insurance policy or |
| Walnut Creek | | Individuals who have 30-year | | bond goes into effect. |
| Orange Park | | mortgages might want to consider a | | |
| Anderson | | 30-year term to ensure that the house | | Insurance to Value: Insurance written |
| Augusta | | is protected throughout the period of | | in an amount approximating the value |
| Hampton | | the loan. | | of the property insured. |
