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| Peoria | | Make sure you have a new policy in | | Absolute Assignment: Assignment by |
| Hattiesburg | | place before you cancel your old one | | a policy owner of all control of and |
| Abilene | | to avoid a lapse in coverage. This will | | rights in the policy to a third party. |
| Athens | | also prevent having to figure out the | | |
| Colorado Springs | | amount of any unused premium that is | | Nonassignable: A policy that the |
| Biloxi | | due to you from your old insurance | | owner cannot assign to a third party. |
| Cypress | | company, or having to spar with your | | Most policies are nonassignable |
| Alpharetta | | agent about exactly when your policy | | unless approval is given by the |
| Montgomery | | was cancelled and how much they | | insurer. |
| Akron | | owe you. | | |
| Inglewood | | | | Level Commission System: A system |
| Wilmington | | The quickest and easiest way to | | of commissions in which the first year |
| Dallas | | shop for new insurance is by | | and all renewal commissions are the |
| Charleston | | comparing rates at InsWebs online | | same percentage of the premium. |
| Tallahassee | | marketplace. If you do it the | | |
| El Cajon | | old-fashioned way (by calling or | | Provisions: Statements contained in |
| Anderson | | visiting multiple agents or insurance | | an insurance policy which explain the |
| Rochester | | companies) it could take up a huge | | benefits, conditions and other |
| Roanoke | | chunk of your time, which no one | | features of the insurance contract. |
| Fort Smith | | wants or needs. By completing | | |
| Portland | | InsWebs online application, you will | | Minimum Premium: The smallest |
| Hot Springs | | have rates to compare to your old | | amount of premium for which an |
| Harlingen | | ones within minutes! | | insurer will issue coverage under a |
| Athens | | | | given policy. |
| Flushing | | We offer quotes for auto insurance, | | |
| Independence | | life insurance, homeowners | | Mutualization: The process of |
| Huntsville | | insurance, health insurance, term life | | converting a stock insurer to a mutual |
| Orange Park | | insurance and more. | | insurer, accomplished by having the |
| Evansville | | | | insurer buy stock and retire it. |
| St. Paul | | The best time to switch policies is | | |
| Pasadena | | within one month of receiving your | | American Risk and Insurance |
| San Antonio | | policy renewal from your current | | Association: An association of |
| Austin | | insurer. You can typically cancel your | | insurance educators and others |
| Charlotte | | policy without any fees or penalties if | | interested in insurance study and |
| Vineland | | you act within this time period. | | research. |
