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| Colorado Springs | | Make sure you have a new policy in | | Insurance to Value: Insurance written |
| Springfield | | place before you cancel your old one | | in an amount approximating the value |
| Modesto | | to avoid a lapse in coverage. This will | | of the property insured. |
| Newburgh | | also prevent having to figure out the | | |
| Schenectady | | amount of any unused premium that is | | Director of Insurance: A title used in |
| Hemet | | due to you from your old insurance | | some states for the head of the |
| Santa Clara | | company, or having to spar with your | | department of insurance. |
| Colorado Springs | | agent about exactly when your policy | | |
| Fayetteville | | was cancelled and how much they | | Captive Agent: One who sells |
| Little Rock | | owe you. | | insurance for only one company as |
| Orange Park | | | | opposed to an agent who represents |
| Nashville | | We offer quotes for auto insurance, | | several companies. |
| San Francisco | | life insurance, homeowners | | |
| Chattanooga | | insurance, health insurance, term life | | Incurred Expense: Expenses not yet |
| Phoenix | | insurance and more. | | paid. Can also include paid |
| Kansas City | | | | expenses in some accounting |
| Metairie | | If you decide to cancel your policy | | systems. |
| Pittsburgh | | (after acquiring new coverage) | | |
| West Palm Beach | | outside of the 30-day period, you may | | Authorized Insurer: An insurer |
| Syracuse | | have to pay a fee or penalty. | | authorized by the state to transact |
| Corpus Christi | | However, you may still save money | | business in that state for specific |
| Atlanta | | after paying the fee if your new policy | | types of insurance. |
| Pittsburgh | | affords you significant savings. So | | |
| San Jose | | while it is best to wait until your | | Divided Cover: The placing of |
| Los Angeles | | receive your renewal notice, you CAN | | insurance on a given subject or |
| Midland | | cancel your policy at any time. | | object with more than one insurer. |