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| Canton | | Why not take advantage of current | | Broker of Record: A broker who has |
| Los Angeles | | low prices? Many auto insurance | | been designated to handle certain |
| Newburgh | | consumers are becoming educated | | insurance contracts for the |
| Kansas City | | on other companies, plans, and rates | | policyholder. |
| Saginaw | | that are available to them; ones that | | |
| Anaheim | | could afford them significant savings | | License: A certification of authority for |
| Des Moines | | on their auto insurance. | | an agent or insurer to operate, given |
| St. Joseph | | | | by the appropriate jurisdiction. |
| Edison | | Make sure you have a new policy in | | |
| Metairie | | place before you cancel your old one | | Broker-Agent: One acting as an agent |
| Scottsdale | | to avoid a lapse in coverage. This will | | of one or more insurers and as a |
| Lawton | | also prevent having to figure out the | | broker in dealing with one or more |
| Warren | | amount of any unused premium that is | | other insurers. |
| Topeka | | due to you from your old insurance | | |
| Huntington | | company, or having to spar with your | | Net Retention: The amount of |
| Anaheim | | agent about exactly when your policy | | insurance that a ceding company |
| Elkhart | | was cancelled and how much they | | keeps for its own account and does |
| Decatur | | owe you. | | not reinsure. |
