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| Colorado Springs | | The best time to switch policies is | | Will Ride: Coverage that remains in |
| Kalamazoo | | within one month of receiving your | | effect regardless of the geographical |
| Thousand Oaks | | policy renewal from your current | | location in which a loss occurs. |
| Cleveland | | insurer. You can typically cancel your | | |
| Fort Myers | | policy without any fees or penalties if | | Brokerage Department: A department |
| Montgomery | | you act within this time period. | | of an insurer whose purpose is to |
| Austin | | | | deal with brokers in the placing of |
| Philadelphia | | While some companies raise their | | insurance. |
| Cherry Hill | | prices based on your actual age, | | |
| Clarksville | | most companies increase the price of | | Exclusion: A contractual provision that |
| Cherry Hill | | their policies six months before your | | denies coverage for certain perils, |
| Newport Beach | | birthday. Its a term called Age | | persons, property, or locations. |
| Long Island City | | Nearest in the industry, and that | | |
| Spokane | | half-year price increase could really | | Accident: An unplanned event, |
| Baltimore | | add up over a 20-year term policy. As | | unexpected and undesigned, which |
| Phoenix | | above, the quicker you purchase your | | occurs suddenly and at a definite |
| Billings | | policy the better. | | place. |
