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| Manchester | | The best time to switch policies is | | Overlapping Insurance: Coverage |
| Monroe | | within one month of receiving your | | from two or more policies or insurers |
| Sioux City | | policy renewal from your current | | which duplicates coverage of certain |
| Alexandria | | insurer. You can typically cancel your | | risks. |
| Austin | | policy without any fees or penalties if | | |
| Torrance | | you act within this time period. | | National Auto Theft Bureau: An |
| San Antonio | | | | organization engaged in the |
| Los Angeles | | Why not take advantage of current | | prevention and reduction of motor |
| Lexington | | low prices? Many auto insurance | | vehicle fire and theft losses. |
| Schenectady | | consumers are becoming educated | | |
| Long Beach | | on other companies, plans, and rates | | Exclusion: A contractual provision that |
| High Point | | that are available to them; ones that | | denies coverage for certain perils, |
| Columbus | | could afford them significant savings | | persons, property, or locations. |
| Boynton Beach | | on their auto insurance. | | |
| Morristown | | | | Liabilities: Money owed or expected |
| Nashville | | If you have noticed that your auto | | to be owed. Insurance company |
| Rockville | | insurance rates are still increasing | | financial statements, for instance, |
| Albuquerque | | with each renewal, or even have not | | show assets and liabilities. |
| Bloomington | | gone down even though you have a | | |
| Bayside | | great driving record, this lower pricing | | Underwriters Laboratories, Inc. (UL): A |
| Irvine | | trend makes it more important then | | testing laboratory for manufactured |
| Cape Coral | | ever that you shop around for auto | | items to determine their safety |
| Sacramento | | insurance. | | propensities. |
