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| Mesa | | Why not take advantage of current | | Provisions: Statements contained in |
| Toledo | | low prices? Many auto insurance | | an insurance policy which explain the |
| Augusta | | consumers are becoming educated | | benefits, conditions and other |
| Flint | | on other companies, plans, and rates | | features of the insurance contract. |
| Fayetteville | | that are available to them; ones that | | |
| Oceanside | | could afford them significant savings | | Captive Agent: One who sells |
| Sterling Heights | | on their auto insurance. | | insurance for only one company as |
| Beaumont | | | | opposed to an agent who represents |
| Scottsdale | | Individuals who have 30-year | | several companies. |
| Oakland | | mortgages might want to consider a | | |
| Tampa | | 30-year term to ensure that the house | | Exclusions: Specific situations, |
| Oakland | | is protected throughout the period of | | conditions, or circumstances that are |
| Ventura | | the loan. | | listed in the contract as being not |
| Schaumburg | | | | covered. |
| Santa Clara | | If you decide to cancel your policy | | |
| Worcester | | (after acquiring new coverage) | | Basic Rate: The manual rate from |
| Tucson | | outside of the 30-day period, you may | | which discounts are taken or to which |
| Myrtle Beach | | have to pay a fee or penalty. | | charges are added to reflect the |
| Cherry Hill | | However, you may still save money | | individual circumstances of a risk. |
| Fayetteville | | after paying the fee if your new policy | | |
| Saginaw | | affords you significant savings. So | | Accident: An unplanned event, |
| Montgomery | | while it is best to wait until your | | unexpected and undesigned, which |
| Delray Beach | | receive your renewal notice, you CAN | | occurs suddenly and at a definite |
| Johnstown | | cancel your policy at any time. | | place. |
