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| Yuma | | If you decide to cancel your policy | | Provisions: Statements contained in |
| Hollywood | | (after acquiring new coverage) | | an insurance policy which explain the |
| St. Paul | | outside of the 30-day period, you may | | benefits, conditions and other |
| Winter Haven | | have to pay a fee or penalty. | | features of the insurance contract. |
| Norwalk | | However, you may still save money | | |
| Union | | after paying the fee if your new policy | | Dual Life Stock Company: A stock |
| Charlotte | | affords you significant savings. So | | Life insurer issuing both participating |
| Fayetteville | | while it is best to wait until your | | and nonparticipating policy contracts. |
| Woodbridge | | receive your renewal notice, you CAN | | |
| Redlands | | cancel your policy at any time. | | Overlapping Insurance: Coverage |
| Springfield | | | | from two or more policies or insurers |
| Davenport | | The quickest and easiest way to | | which duplicates coverage of certain |
| Toledo | | shop for new insurance is by | | risks. |
| Fort Myers | | comparing rates at InsWebs online | | |
| Malden | | marketplace. If you do it the | | Brokerage Department: A department |
| Honolulu | | old-fashioned way (by calling or | | of an insurer whose purpose is to |
| Pueblo | | visiting multiple agents or insurance | | deal with brokers in the placing of |
| Wichita | | companies) it could take up a huge | | insurance. |
| Lawton | | chunk of your time, which no one | | |
| Franklin | | wants or needs. By completing | | Valuation Clause: A clause stating the |
| Wichita | | InsWebs online application, you will | | value of items for insurance |
| Kansas City | | have rates to compare to your old | | purposes, making it a valued policy. |
| Lima | | ones within minutes! | | |
| White Plains | | | | Gross Premium: The net premium |
| Arlington | | At InsWeb, you can compare free | | plus operating expenses, |
| Schenectady | | online insurance quotes from many of | | commissions and other expenses. |
| Dayton | | the nations leading insurance | | |
| Lawrenceville | | companies. | | Policy Period (or Term): The period |
| Mobile | | | | during which the policy contract |
| St. Joseph | | People who are trying to quit | | affords protection, e.g., six months or |
| Pembroke Pines | | smoking, for example, might be best | | one or three years. |
| Goldsboro | | suited purchasing a shorter term (and | | |
| Cherry Hill | | then replacing it with a longer term | | National Auto Theft Bureau: An |
| Thousand Oaks | | policy when they qualify for | | organization engaged in the |
| Union | | non-tobacco prices). | | prevention and reduction of motor |
| Venice | | | | vehicle fire and theft losses. |
