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| Philadelphia | | Make sure you have a new policy in | | Authorized Insurer: An insurer |
| Fall River | | place before you cancel your old one | | authorized by the state to transact |
| Bradenton | | to avoid a lapse in coverage. This will | | business in that state for specific |
| Jackson | | also prevent having to figure out the | | types of insurance. |
| Gaithersburg | | amount of any unused premium that is | | |
| Greenville | | due to you from your old insurance | | Independent Agent: An agent |
| Fayetteville | | company, or having to spar with your | | operating as an independent |
| Fort Lauderdale | | agent about exactly when your policy | | contractor under the independent |
| Houma | | was cancelled and how much they | | agency system. |
| El Cajon | | owe you. | | |
| Las Vegas | | | | Short-Term Policy: A policy written for |
| Trenton | | Individuals who have 30-year | | a period of less time than is normal for |
| Long Island City | | mortgages might want to consider a | | that type of policy. |
| Cambridge | | 30-year term to ensure that the house | | |
| Mountain View | | is protected throughout the period of | | Approved: The condition which exists |
| Fremont | | the loan. | | when the person or object to be |
| Vineland | | | | insured meets the underwriting |
| Albany | | If you have noticed that your auto | | standards of the insurer. |
| Tacoma | | insurance rates are still increasing | | |
| Portland | | with each renewal, or even have not | | Insurance Policy: The printed form |
| Salt Lake City | | gone down even though you have a | | which serves as the contract between |
| Burbank | | great driving record, this lower pricing | | an insurer and an insured. |
| Athens | | trend makes it more important then | | |
| New York | | ever that you shop around for auto | | Substandard Risk: A risk not |
| Olympia | | insurance. | | measuring up to underwriting |
| Portland | | | | standards. It may still be written but |
| Boca Raton | | While some companies raise their | | usually at a surcharged premium. |
| Duluth | | prices based on your actual age, | | |
| Roanoke | | most companies increase the price of | | Minimum Premium: The smallest |
| Columbus | | their policies six months before your | | amount of premium for which an |
| Anchorage | | birthday. Its a term called Age | | insurer will issue coverage under a |
| Columbia | | Nearest in the industry, and that | | given policy. |
| Escondido | | half-year price increase could really | | |
| Jasper | | add up over a 20-year term policy. As | | Preferred Risk: Any risk considered |
| Brooklyn | | above, the quicker you purchase your | | to be better than the standard risk on |
| Plano | | policy the better. | | which the premium rate was |
| Washington | | | | calculated. |
