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| Fredericksburg | | Shopping around is the best way to | | Building Code: This refers to |
| Jackson | | save money on your insurance. | | municipal or other governmental |
| Evanston | | | | ordinances regulating the type of |
| Sacramento | | If you decide to cancel your policy | | construction of buildings within its |
| Garland | | (after acquiring new coverage) | | jurisdiction. |
| Chula Vista | | outside of the 30-day period, you may | | |
| Grand Prairie | | have to pay a fee or penalty. | | Deflation: An economic period |
| San Antonio | | However, you may still save money | | characterized by falling prices, high |
| West Palm Beach | | after paying the fee if your new policy | | unemployment and a generally |
| Las Cruces | | affords you significant savings. So | | sluggish or slow economy. |
| Anderson | | while it is best to wait until your | | |
| Oklahoma City | | receive your renewal notice, you CAN | | Domestic Insurer (or Company): An |
| Nashua | | cancel your policy at any time. | | insurer formed under the laws of the |
| Anchorage | | | | state in which the insurance is written. |
| Elkhart | | Everyone has different needs, and | | |
| Kalamazoo | | not one size fits all when it comes to | | Independent Agent: An agent |
| Berkeley | | term life insurance. While it may make | | operating as an independent |
| Springfield | | sense for people in their 30s and 40s | | contractor under the independent |
| Bellevue | | to secure a 20-year term length, a | | agency system. |
| Little Rock | | 10-year term might be more | | |
| Waco | | appropriate for someone nearing | | Loss Frequency: The number of times |
| Texarkana | | retirement. | | a loss occurs over a specific period |
| Schenectady | | | | of time. |
| Monroe | | We offer quotes for auto insurance, | | |
| Elkhart | | life insurance, homeowners | | Mandatory Valuation Reserve: A |
| Tucson | | insurance, health insurance, term life | | reserve required by a state law to |
| Ventura | | insurance and more. | | offset any declines in the valuation of |
| Garland | | | | securities listed as admitted assets. |
| Alameda | | If you have noticed that your auto | | |
| Lancaster | | insurance rates are still increasing | | Gross Line: The total limit accepted |
| Melbourne | | with each renewal, or even have not | | by an insurer on an individual risk, |
| Englewood | | gone down even though you have a | | including the amount to be reinsured. |
| Boca Raton | | great driving record, this lower pricing | | |
| Pensacola | | trend makes it more important then | | Basic Rate: The manual rate from |
| Anchorage | | ever that you shop around for auto | | which discounts are taken or to which |
| Duluth | | insurance. | | charges are added to reflect the |
| Schaumburg | | | | individual circumstances of a risk. |
