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| Turlock | | Shopping around is the best way to | | Retrospective Premium: The final |
| West Palm Beach | | save money on your insurance. | | premium in a retrospective rating |
| Abilene | | | | plan. See Retrospective Rating. |
| Whittier | | Individuals who have 30-year | | |
| Boynton Beach | | mortgages might want to consider a | | Retail Credit Company: The former |
| Williamsport | | 30-year term to ensure that the house | | name of Equifax, a credit reporting |
| Schaumburg | | is protected throughout the period of | | organization. See Equifax. |
| Springfield | | the loan. | | |
| Chesapeake | | | | Mandatory Valuation Reserve: A |
| Escondido | | If you decide to cancel your policy | | reserve required by a state law to |
| Roanoke | | (after acquiring new coverage) | | offset any declines in the valuation of |
| Longview | | outside of the 30-day period, you may | | securities listed as admitted assets. |
| Tallahassee | | have to pay a fee or penalty. | | |
| Harlingen | | However, you may still save money | | Amendment: A formal document |
| Portland | | after paying the fee if your new policy | | which corrects or revises an |
| Springfield | | affords you significant savings. So | | insurance master policy. |
| Palm Harbor | | while it is best to wait until your | | |
| Tulsa | | receive your renewal notice, you CAN | | Paid-In Surplus: Surplus paid in by |
| Turlock | | cancel your policy at any time. | | stockholders, as contrasted with |
| Jonesboro | | | | surplus earned through the |
| Santa Clara | | The best time to switch policies is | | operations of a business. |
| Racine | | within one month of receiving your | | |
| Washington | | policy renewal from your current | | Indemnify: To restore the victim of a |
| White Plains | | insurer. You can typically cancel your | | loss to the same position as before |
| Boise | | policy without any fees or penalties if | | the loss occurred. |
| Amarillo | | you act within this time period. | | |
| Canton | | | | You/Your: These words are used to |
| Muncie | | While some companies raise their | | refer to the named insured in many of |
| Metairie | | prices based on your actual age, | | the modernized/personalized policy |
| Rockford | | most companies increase the price of | | forms. |
| Palo Alto | | their policies six months before your | | |
| Chattanooga | | birthday. Its a term called Age | | Underwriters Laboratories, Inc. (UL): A |
| Sacramento | | Nearest in the industry, and that | | testing laboratory for manufactured |
| Huntsville | | half-year price increase could really | | items to determine their safety |
| High Point | | add up over a 20-year term policy. As | | propensities. |
| Stuart | | above, the quicker you purchase your | | |
| Kalamazoo | | policy the better. | | |
