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| Bay City | | Why not take advantage of current | | Accident: An unplanned event, |
| Duluth | | low prices? Many auto insurance | | unexpected and undesigned, which |
| Palm Harbor | | consumers are becoming educated | | occurs suddenly and at a definite |
| San Antonio | | on other companies, plans, and rates | | place. |
| Baton Rouge | | that are available to them; ones that | | |
| Cambridge | | could afford them significant savings | | Endorsement: A written or printed form |
| Irving | | on their auto insurance. | | attached to the policy which alters |
| El Paso | | | | provisions of the contract. |
| Macon | | The best time to switch policies is | | |
| Evanston | | within one month of receiving your | | Commercial Lines: This term is used |
| Chicago | | policy renewal from your current | | to refer to insurance for businesses, |
| Conroe | | insurer. You can typically cancel your | | professionals, and commercial |
| Omaha | | policy without any fees or penalties if | | establishments. |
| Minneapolis | | you act within this time period. | | |
| Fredericksburg | | | | Net Interest Earned: The average |
| Hampton | | The quickest and easiest way to | | interest earned by an insurer on its |
| Sacramento | | shop for new insurance is by | | investments after investment expense |
| Coral Springs | | comparing rates at InsWebs online | | but before federal income taxes. |
| Waterloo | | marketplace. If you do it the | | |
| Nashville | | old-fashioned way (by calling or | | Claim: A demand made by the |
| Venice | | visiting multiple agents or insurance | | insured, or the insured's beneficiary, |
| Torrance | | companies) it could take up a huge | | for payment of the benefits provided |
| Lansing | | chunk of your time, which no one | | by the contract. |
| Topeka | | wants or needs. By completing | | |
| Hollywood | | InsWebs online application, you will | | Equity: The money value of an |
| Fort Worth | | have rates to compare to your old | | insurance company that is over and |
| Poughkeepsie | | ones within minutes! | | above its liabilities. Liabilities include |
| Wichita | | | | almost all of its reserves. |
| Waco | | If you decide to cancel your policy | | |
| Alpharetta | | (after acquiring new coverage) | | National Auto Theft Bureau: An |
| Hollywood | | outside of the 30-day period, you may | | organization engaged in the |
| Phoenix | | have to pay a fee or penalty. | | prevention and reduction of motor |
| Nashville | | However, you may still save money | | vehicle fire and theft losses. |
| Oxnard | | after paying the fee if your new policy | | |
| Cherry Hill | | affords you significant savings. So | | |
| Santa Barbara | | while it is best to wait until your | | |
| Cincinnati | | receive your renewal notice, you CAN | | |
| Rapid City | | cancel your policy at any time. | | |
