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| Rockford | | Shopping around is the best way to | | Professional Insurance Agents |
| Houma | | save money on your insurance. | | Association: A trade association of |
| Norfolk | | | | mutual insurance agents. |
| Henderson | | Individuals who have 30-year | | |
| Waterloo | | mortgages might want to consider a | | Nonadmitted Insurer: An insurer not |
| Stuart | | 30-year term to ensure that the house | | licensed to do business in the |
| Pittsburgh | | is protected throughout the period of | | jurisdiction in question. Same as |
| Redlands | | the loan. | | Unauthorized Insurer and Unlicensed |
| Harrisburg | | | | Insurer. |
| Boston | | People who are trying to quit | | |
| Scottsdale | | smoking, for example, might be best | | Calendar Year Experience: This |
| Phoenix | | suited purchasing a shorter term (and | | measures the premiums and losses |
| Joliet | | then replacing it with a longer term | | entered on accounting records during |
| Silver Spring | | policy when they qualify for | | the 12-month calendar. |
| Billings | | non-tobacco prices). | | |
| Salt Lake City | | | | Indemnify: To restore the victim of a |
| Anderson | | If you decide to cancel your policy | | loss to the same position as before |
| Portland | | (after acquiring new coverage) | | the loss occurred. |
| Edmond | | outside of the 30-day period, you may | | |
| Tampa | | have to pay a fee or penalty. | | Retail Credit Company: The former |
| Troy | | However, you may still save money | | name of Equifax, a credit reporting |
| Santa Clara | | after paying the fee if your new policy | | organization. See Equifax. |
| Lexington | | affords you significant savings. So | | |
| Denver | | while it is best to wait until your | | Earned Income: The money |
| Waco | | receive your renewal notice, you CAN | | individuals earn as a result of working |
| Fort Worth | | cancel your policy at any time. | | at some job or occupation for which |
| Newark | | | | they are paid a salary. |
| New Orleans | | If you have noticed that your auto | | |
| Santa Barbara | | insurance rates are still increasing | | Theory of Probability: The |
| Newark | | with each renewal, or even have not | | mathematical principle upon which |
| Santa Ana | | gone down even though you have a | | insurance is based. |
| Baton Rouge | | great driving record, this lower pricing | | |
| Raleigh | | trend makes it more important then | | Gross Premium: The net premium |
| Hot Springs | | ever that you shop around for auto | | plus operating expenses, |
| Daytona Beach | | insurance. | | commissions and other expenses. |
