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| Indianapolis | | If you decide to cancel your policy | | Shock Loss: A catastrophic loss so |
| Redlands | | (after acquiring new coverage) | | large that it has a material effect on |
| Duluth | | outside of the 30-day period, you may | | the underwriting results of a company. |
| Conroe | | have to pay a fee or penalty. | | |
| Roanoke | | However, you may still save money | | Borderline Risk: An insurance |
| Cape Coral | | after paying the fee if your new policy | | prospect of doubtful quality from an |
| Bay City | | affords you significant savings. So | | underwriting point of view. |
| Spartanburg | | while it is best to wait until your | | |
| Lancaster | | receive your renewal notice, you CAN | | Indemnity: Restoration to the victim of |
| Roanoke | | cancel your policy at any time. | | a loss by payment, repair, or |
| Bayside | | | | replacement. |
| Bellevue | | The quickest and easiest way to | | |
| Valdosta | | shop for new insurance is by | | Agent's Qualification Law: Education, |
| Ventura | | comparing rates at InsWebs online | | experience, and other requirements |
| Riverside | | marketplace. If you do it the | | imposed by the state upon persons |
| Fremont | | old-fashioned way (by calling or | | desiring to be licensed as agents. |
| Davenport | | visiting multiple agents or insurance | | |
| Union | | companies) it could take up a huge | | Insurance Examiner: The |
| Slidell | | chunk of your time, which no one | | representative of a state insurance |
| Minneapolis | | wants or needs. By completing | | department assigned to participate in |
| Newark | | InsWebs online application, you will | | the official audit and examination of |
| High Point | | have rates to compare to your old | | an insurer. |
| Lansing | | ones within minutes! | | |
| Lincoln | | | | Other Insurance: The existence of |
| Eugene | | People who are trying to quit | | other contracts covering the same |
| Lansing | | smoking, for example, might be best | | interest and perils. |
| Santa Clara | | suited purchasing a shorter term (and | | |
| Turlock | | then replacing it with a longer term | | Tariff Rate: A rate established by a |
| Conroe | | policy when they qualify for | | rating organization, which comes from |
| Hendersonville | | non-tobacco prices). | | the tables, schedules and rules found |
| Akron | | | | in the tariff of rates. |
| Daytona Beach | | Shopping around is the best way to | | |
| Spring Hill | | save money on your insurance. | | Malicious Mischief: Similar to |
| Decatur | | | | vandalism. Purposely damaging the |
| Cedar Rapids | | | | rights or property of another. |
