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| Des Moines | | The best time to switch policies is | | New For Old: Replacing old |
| Eugene | | within one month of receiving your | | damaged parts or equipment with |
| Abilene | | policy renewal from your current | | new ones rather than repairing them. |
| Fayetteville | | insurer. You can typically cancel your | | |
| Henderson | | policy without any fees or penalties if | | Effective Date: The date on which the |
| Sarasota | | you act within this time period. | | protection of an insurance policy or |
| Scranton | | | | bond goes into effect. |
| Decatur | | Shopping around is the best way to | | |
| Lubbock | | save money on your insurance. | | Premises: The particular location of |
| Wichita | | | | property or a portion thereof as |
| Arlington | | While some companies raise their | | designated in a policy. |
| Joliet | | prices based on your actual age, | | |
| Newburgh | | most companies increase the price of | | Broker-Agent: One acting as an agent |
| Philadelphia | | their policies six months before your | | of one or more insurers and as a |
| Newport News | | birthday. Its a term called Age | | broker in dealing with one or more |
| Hattiesburg | | Nearest in the industry, and that | | other insurers. |
| Long Island City | | half-year price increase could really | | |
| Oceanside | | add up over a 20-year term policy. As | | Insurance to Value: Insurance written |
| Lafayette | | above, the quicker you purchase your | | in an amount approximating the value |
| Quincy | | policy the better. | | of the property insured. |