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| Bethlehem | | The best time to switch policies is | | Retail Credit Company: The former |
| Fredericksburg | | within one month of receiving your | | name of Equifax, a credit reporting |
| Costa Mesa | | policy renewal from your current | | organization. See Equifax. |
| Charlotte | | insurer. You can typically cancel your | | |
| Long Beach | | policy without any fees or penalties if | | FICA. Federal Insurance Contributions |
| Troy | | you act within this time period. | | Act: A law imposing a payroll tax to |
| Gulfport | | | | assist in funding Social Security |
| Huntington | | If you decide to cancel your policy | | benefits. |
| Florissant | | (after acquiring new coverage) | | |
| Union | | outside of the 30-day period, you may | | Theory of Probability: The |
| Boston | | have to pay a fee or penalty. | | mathematical principle upon which |
| Indianapolis | | However, you may still save money | | insurance is based. |
| Louisville | | after paying the fee if your new policy | | |
| Fort Myers | | affords you significant savings. So | | Public Adjuster: An insurance adjuster |
| Newark | | while it is best to wait until your | | who represents an insured on a fee |
| Durham | | receive your renewal notice, you CAN | | basis in claims settlement. Contrast |
| Venice | | cancel your policy at any time. | | with Independent Adjuster. |