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| Atlanta | | The best time to switch policies is | | Insurance Examiner: The |
| Salt Lake City | | within one month of receiving your | | representative of a state insurance |
| Durham | | policy renewal from your current | | department assigned to participate in |
| Kalamazoo | | insurer. You can typically cancel your | | the official audit and examination of |
| Escondido | | policy without any fees or penalties if | | an insurer. |
| Fort Myers | | you act within this time period. | | |
| San Bernardino | | | | Substandard Risk: A risk not |
| Boise | | Make sure you have a new policy in | | measuring up to underwriting |
| Philadelphia | | place before you cancel your old one | | standards. It may still be written but |
| Denver | | to avoid a lapse in coverage. This will | | usually at a surcharged premium. |
| Williamsport | | also prevent having to figure out the | | |
| Chattanooga | | amount of any unused premium that is | | Accident: An unplanned event, |
| Tulsa | | due to you from your old insurance | | unexpected and undesigned, which |
| Fall River | | company, or having to spar with your | | occurs suddenly and at a definite |
| Naperville | | agent about exactly when your policy | | place. |
| Rapid City | | was cancelled and how much they | | |
| Salem | | owe you. | | Depreciation: A decrease in the value |
| Waterloo | | | | of any type of tangible property over |
| San Antonio | | Shopping around is the best way to | | a period of time resulting from use, |
| Macon | | save money on your insurance. | | wear and tear, or obsolescence. |
