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| Lubbock | | While some companies raise their | | Claim Expense: The expense of |
| Bayside | | prices based on your actual age, | | adjusting a claim, such as |
| Livonia | | most companies increase the price of | | investigation and attorneys' fees. It |
| Albany | | their policies six months before your | | does not include the cost of the claim |
| Florissant | | birthday. Its a term called Age | | itself. |
| Oceanside | | Nearest in the industry, and that | | |
| Glendale | | half-year price increase could really | | Premium: The price of insurance |
| Newport News | | add up over a 20-year term policy. As | | protection for a specified risk for a |
| Inglewood | | above, the quicker you purchase your | | specified period of time. |
| Daytona Beach | | policy the better. | | |
| Jasper | | | | Effective Date: The date on which the |
| Fullerton | | Make sure you have a new policy in | | protection of an insurance policy or |
| Dearborn | | place before you cancel your old one | | bond goes into effect. |
| Pembroke Pines | | to avoid a lapse in coverage. This will | | |
| Erie | | also prevent having to figure out the | | Basic Rate: The manual rate from |
| Florissant | | amount of any unused premium that is | | which discounts are taken or to which |
| Rockford | | due to you from your old insurance | | charges are added to reflect the |
| Boulder | | company, or having to spar with your | | individual circumstances of a risk. |
| Joliet | | agent about exactly when your policy | | |
| Palo Alto | | was cancelled and how much they | | Agency Company: An insurance |
| Santa Barbara | | owe you. | | company that produces business |
| Metairie | | | | through an agency network. Contrast |
| Inglewood | | At InsWeb, you can compare free | | with Direct Writer. |
| Gulfport | | online insurance quotes from many of | | |
| Olympia | | the nations leading insurance | | Building Code: This refers to |
| Charleston | | companies. | | municipal or other governmental |
| Fort Worth | | | | ordinances regulating the type of |
| Tempe | | If you decide to cancel your policy | | construction of buildings within its |
| Fort Collins | | (after acquiring new coverage) | | jurisdiction. |
| Salt Lake City | | outside of the 30-day period, you may | | |
| Alameda | | have to pay a fee or penalty. | | New For Old: Replacing old |
| Santa Rosa | | However, you may still save money | | damaged parts or equipment with |
| Bakersfield | | after paying the fee if your new policy | | new ones rather than repairing them. |
| Winter Park | | affords you significant savings. So | | |
| Jackson | | while it is best to wait until your | | |
| Hot Springs | | receive your renewal notice, you CAN | | |
| Toledo | | cancel your policy at any time. | | |
