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| Lawton | | If you decide to cancel your policy | | Index Bureau Experience: A measure |
| Salem | | (after acquiring new coverage) | | of losses relating to claims reported |
| Troy | | outside of the 30-day period, you may | | through a claim office during a |
| Gulfport | | have to pay a fee or penalty. | | 12-month period. |
| Bradenton | | However, you may still save money | | |
| Spring Hill | | after paying the fee if your new policy | | Retrospective Premium: The final |
| Raleigh | | affords you significant savings. So | | premium in a retrospective rating |
| Decatur | | while it is best to wait until your | | plan. See Retrospective Rating. |
| Boston | | receive your renewal notice, you CAN | | |
| Gulfport | | cancel your policy at any time. | | License: A certification of authority for |
| El Paso | | | | an agent or insurer to operate, given |
| Boca Raton | | The quickest and easiest way to | | by the appropriate jurisdiction. |
| Johnstown | | shop for new insurance is by | | |
| Austin | | comparing rates at InsWebs online | | Commercial Lines: This term is used |
| Pasadena | | marketplace. If you do it the | | to refer to insurance for businesses, |
| Venice | | old-fashioned way (by calling or | | professionals, and commercial |
| Washington | | visiting multiple agents or insurance | | establishments. |
| Chattanooga | | companies) it could take up a huge | | |
| Chicago | | chunk of your time, which no one | | Borderline Risk: An insurance |
| Frederick | | wants or needs. By completing | | prospect of doubtful quality from an |
| Cranston | | InsWebs online application, you will | | underwriting point of view. |
| Burbank | | have rates to compare to your old | | |
| Florence | | ones within minutes! | | Accidental Bodily Injury: An injury |
| White Plains | | | | sustained accidentally. Only the result |
| York | | People who are trying to quit | | need be accidental. Contrast with |
| Chattanooga | | smoking, for example, might be best | | Accidental Means. |
| Santa Barbara | | suited purchasing a shorter term (and | | |
| Flushing | | then replacing it with a longer term | | Malicious Mischief: Similar to |
| Warwick | | policy when they qualify for | | vandalism. Purposely damaging the |
| Cherry Hill | | non-tobacco prices). | | rights or property of another. |
