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| Charlotte | | The best time to switch policies is | | Endorsement: A written or printed form |
| Toledo | | within one month of receiving your | | attached to the policy which alters |
| Winter Park | | policy renewal from your current | | provisions of the contract. |
| Las Cruces | | insurer. You can typically cancel your | | |
| Williamsburg | | policy without any fees or penalties if | | Partial Loss: A loss covered by an |
| Hot Springs | | you act within this time period. | | insurance policy which does not |
| Rapid City | | | | completely destroy or render |
| Corona | | Healthy people have the best | | worthless the insured property. |
| Boulder | | mortality risks and thus are much | | |
| Columbus | | cheaper for companies to insure. This | | Brokerage Business: Business |
| Columbus | | translates into lower rates for the | | offered to an insurer by a broker. This |
| Mesquite | | Super Preferred customer than | | is sometimes called excess or |
| Clearwater | | someone with higher risk factors such | | surplus business. |
| Abilene | | as a heart condition, cancer or | | |
| Zanesville | | diabetes. Conversely, if you were | | Deflation: An economic period |
| Costa Mesa | | unhealthy when you acquired your | | characterized by falling prices, high |
| Raleigh | | policy, and your health has now | | unemployment and a generally |
| San Antonio | | improved, it might be time to shop for | | sluggish or slow economy. |
| Kansas City | | a new policy, as your rates are likely | | |
| Zanesville | | to be lower. | | Agency: An insurance sales office |
| Springfield | | | | which is directed by a agent, |
| Dothan | | People who are trying to quit | | manager, independent agent, or |
| Columbus | | smoking, for example, might be best | | company manager. |
| Union | | suited purchasing a shorter term (and | | |
| Green Bay | | then replacing it with a longer term | | Line of Business: The classification of |
| Lawrenceville | | policy when they qualify for | | business as utilized in the insurance |
| Amarillo | | non-tobacco prices). | | industry, e.g., Fire, Allied Lines and |
| Acworth | | | | Homeowners. |
| Wichita | | At InsWeb, you can compare free | | |
| Durham | | online insurance quotes from many of | | Agent's Qualification Law: Education, |
| Quincy | | the nations leading insurance | | experience, and other requirements |
| Scranton | | companies. | | imposed by the state upon persons |
| Irvine | | | | desiring to be licensed as agents. |
| Trenton | | If you decide to cancel your policy | | |
| Daytona Beach | | (after acquiring new coverage) | | |
| Athens | | outside of the 30-day period, you may | | |
| Chesapeake | | have to pay a fee or penalty. | | |
| West Chester | | However, you may still save money | | |
| Louisville | | after paying the fee if your new policy | | |
| Thousand Oaks | | affords you significant savings. So | | |
| Roanoke | | while it is best to wait until your | | |
| Troy | | receive your renewal notice, you CAN | | |
| Baton Rouge | | cancel your policy at any time. | | |
