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| Ann Arbor | | If you decide to cancel your policy | | Authorized Insurer: An insurer |
| Vineland | | (after acquiring new coverage) | | authorized by the state to transact |
| Clinton Township | | outside of the 30-day period, you may | | business in that state for specific |
| Mesquite | | have to pay a fee or penalty. | | types of insurance. |
| Syracuse | | However, you may still save money | | |
| Cedar Rapids | | after paying the fee if your new policy | | Premises: The particular location of |
| Grand Rapids | | affords you significant savings. So | | property or a portion thereof as |
| Long Beach | | while it is best to wait until your | | designated in a policy. |
| Fort Collins | | receive your renewal notice, you CAN | | |
| Fremont | | cancel your policy at any time. | | Interline Endorsement: Commercial |
| Huntington | | | | endorsements that apply, or could |
| West Chester | | While some companies raise their | | apply, to more than one coverage |
| Bloomington | | prices based on your actual age, | | part of a package policy. |
| Brooklyn | | most companies increase the price of | | |
| Chattanooga | | their policies six months before your | | Commingling: An illegal practice |
| Cedar Rapids | | birthday. Its a term called Age | | which occurs when an agent mixes |
| Union | | Nearest in the industry, and that | | personal funds with the insured's or |
| Richmond | | half-year price increase could really | | insurer's funds. |
| Boynton Beach | | add up over a 20-year term policy. As | | |
| Ogden | | above, the quicker you purchase your | | Lapsed Policy: One which has been |
| Portland | | policy the better. | | allowed to expire because of |
| Columbia | | | | nonpayment of premiums. |
| El Paso | | Shopping around is the best way to | | |
| Dothan | | save money on your insurance. | | Insurance to Value: Insurance written |
| Wichita | | | | in an amount approximating the value |
| Whittier | | Individuals who have 30-year | | of the property insured. |
| Hollywood | | mortgages might want to consider a | | |
| Buffalo | | 30-year term to ensure that the house | | Notice of Cancellation: Written notice |
| West Chester | | is protected throughout the period of | | by an insurer of intent to cancel |
| Sunnyvale | | the loan. | | insurance, or written notice by an |
| Littleton | | | | insured requesting cancellation. |
| Boise | | Healthy people have the best | | |
| Amarillo | | mortality risks and thus are much | | Flat Cancellation: A policy which is |
| Savannah | | cheaper for companies to insure. This | | cancelled upon its effective date. |
| Anderson | | translates into lower rates for the | | Usually under a flat cancellation no |
| Orange | | Super Preferred customer than | | premium charge is made. |
| Wichita | | someone with higher risk factors such | | |
| Cranston | | as a heart condition, cancer or | | |
| Corpus Christi | | diabetes. Conversely, if you were | | |
| Quincy | | unhealthy when you acquired your | | |
| Venice | | policy, and your health has now | | |
| Lawton | | improved, it might be time to shop for | | |
| Denver | | a new policy, as your rates are likely | | |
| Fort Wayne | | to be lower. | | |
