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| Fresno | | If you decide to cancel your policy | | Substandard Risk: A risk not |
| Williamsburg | | (after acquiring new coverage) | | measuring up to underwriting |
| Santa Clara | | outside of the 30-day period, you may | | standards. It may still be written but |
| Plano | | have to pay a fee or penalty. | | usually at a surcharged premium. |
| Longview | | However, you may still save money | | |
| Worcester | | after paying the fee if your new policy | | Premium Notice: A form notice from |
| Savannah | | affords you significant savings. So | | an insurer or agency to a policy |
| Berkeley | | while it is best to wait until your | | owner that a premium will be due on a |
| Redlands | | receive your renewal notice, you CAN | | given date. |
| Chattanooga | | cancel your policy at any time. | | |
| Texarkana | | | | Broker of Record: A broker who has |
| Santa Ana | | While some companies raise their | | been designated to handle certain |
| Palm Harbor | | prices based on your actual age, | | insurance contracts for the |
| Ocala | | most companies increase the price of | | policyholder. |
| Henderson | | their policies six months before your | | |
| Duluth | | birthday. Its a term called Age | | Endorsement: A written or printed form |
| Huntington Beach | | Nearest in the industry, and that | | attached to the policy which alters |
| Redlands | | half-year price increase could really | | provisions of the contract. |
| Wilmington | | add up over a 20-year term policy. As | | |
| Virginia Beach | | above, the quicker you purchase your | | Agent's Balance: A periodic |
| Toledo | | policy the better. | | statement of the sums due and owed |
| Santa Ana | | | | to an agent under the agent's contract |
| Nashville | | Why not take advantage of current | | with an insurer. |
| Cleveland | | low prices? Many auto insurance | | |
| Miami | | consumers are becoming educated | | Mutualization: The process of |
| Bradenton | | on other companies, plans, and rates | | converting a stock insurer to a mutual |
| Fort Wayne | | that are available to them; ones that | | insurer, accomplished by having the |
| Clearwater | | could afford them significant savings | | insurer buy stock and retire it. |
| Honolulu | | on their auto insurance. | | |
| Gainesville | | | | Borderline Risk: An insurance |
| Hot Springs | | Shopping around is the best way to | | prospect of doubtful quality from an |
| Kingsport | | save money on your insurance. | | underwriting point of view. |
