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| Pembroke Pines | | Shopping around is the best way to | | Underwriters Laboratories, Inc. (UL): A |
| Troy | | save money on your insurance. | | testing laboratory for manufactured |
| Rockford | | | | items to determine their safety |
| Gulfport | | Make sure you have a new policy in | | propensities. |
| Milwaukee | | place before you cancel your old one | | |
| Westbury | | to avoid a lapse in coverage. This will | | Business: In Property, Liability, and |
| Stockton | | also prevent having to figure out the | | Health lines, it usually refers to the |
| Riverside | | amount of any unused premium that is | | volume of premiums. |
| Portland | | due to you from your old insurance | | |
| York | | company, or having to spar with your | | Policy Anniversary: The anniversary |
| Lawrenceville | | agent about exactly when your policy | | of the date of issue of a policy as |
| Sioux City | | was cancelled and how much they | | shown in the policy declarations. |
| Harrisburg | | owe you. | | |
| Duluth | | | | Initial Premium: An amount paid at the |
| Hartford | | If you decide to cancel your policy | | inception of an insurance contract, |
| Plano | | (after acquiring new coverage) | | usually subject to adjustment at the |
| Monroe | | outside of the 30-day period, you may | | end of the policy period. |
| Rome | | have to pay a fee or penalty. | | |
| Ann Arbor | | However, you may still save money | | Indemnity: Restoration to the victim of |
| Whittier | | after paying the fee if your new policy | | a loss by payment, repair, or |
| Chesapeake | | affords you significant savings. So | | replacement. |
| Tacoma | | while it is best to wait until your | | |
| Rochester | | receive your renewal notice, you CAN | | Accident: An unplanned event, |
| Bloomington | | cancel your policy at any time. | | unexpected and undesigned, which |
| Syracuse | | | | occurs suddenly and at a definite |
| Lansing | | If you have noticed that your auto | | place. |
| Worcester | | insurance rates are still increasing | | |
| Amarillo | | with each renewal, or even have not | | Lapsed Policy: One which has been |
| Columbia | | gone down even though you have a | | allowed to expire because of |
| Detroit | | great driving record, this lower pricing | | nonpayment of premiums. |
| Jasper | | trend makes it more important then | | |
| Ann Arbor | | ever that you shop around for auto | | Authorized Insurer: An insurer |
| Anaheim | | insurance. | | authorized by the state to transact |
| Chesapeake | | | | business in that state for specific |
| Schaumburg | | | | types of insurance. |
