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| Bloomington | | At InsWeb, you can compare free | | Independent Agent: An agent |
| Henderson | | online insurance quotes from many of | | operating as an independent |
| Phoenix | | the nations leading insurance | | contractor under the independent |
| Clarksville | | companies. | | agency system. |
| Fredericksburg | | | | |
| Valdosta | | Shopping around is the best way to | | Paid-In Surplus: Surplus paid in by |
| Edison | | save money on your insurance. | | stockholders, as contrasted with |
| New Orleans | | | | surplus earned through the |
| Goldsboro | | If you have noticed that your auto | | operations of a business. |
| Erie | | insurance rates are still increasing | | |
| Fayetteville | | with each renewal, or even have not | | Liquidity: The ability of an insurer to |
| Knoxville | | gone down even though you have a | | convert its assets into cash to pay |
| St. Louis | | great driving record, this lower pricing | | claims if necessary. |
| Sarasota | | trend makes it more important then | | |
| Downey | | ever that you shop around for auto | | American Risk and Insurance |
| Downey | | insurance. | | Association: An association of |
| Lansing | | | | insurance educators and others |
| New York | | If you decide to cancel your policy | | interested in insurance study and |
| Oklahoma City | | (after acquiring new coverage) | | research. |
| Tampa | | outside of the 30-day period, you may | | |
| Tampa | | have to pay a fee or penalty. | | Federal Deposit Insurance |
| Walnut Creek | | However, you may still save money | | Corporation (FDIC): An agency of the |
| Alpharetta | | after paying the fee if your new policy | | federal government which insures |
| Portsmouth | | affords you significant savings. So | | bank deposits up to a stated |
| Denton | | while it is best to wait until your | | maximum. |
| Atlanta | | receive your renewal notice, you CAN | | |
| Southfield | | cancel your policy at any time. | | Other Insurance: The existence of |
| Long Beach | | | | other contracts covering the same |
| Venice | | Make sure you have a new policy in | | interest and perils. |
| Greenville | | place before you cancel your old one | | |
| Woodbridge | | to avoid a lapse in coverage. This will | | First Party Insurance: Insurance which |
| Elkhart | | also prevent having to figure out the | | applies to coverage for the insured's |
| Redlands | | amount of any unused premium that is | | own property or person. Contrast with |
| Colorado Springs | | due to you from your old insurance | | Third Party Insurance. |
| Gaithersburg | | company, or having to spar with your | | |
| Pittsburgh | | agent about exactly when your policy | | |
| Cleveland | | was cancelled and how much they | | |
| Hot Springs | | owe you. | | |
