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| Long Island City | | Shopping around is the best way to | | Sole Proprietorship: A business |
| Mobile | | save money on your insurance. | | enterprise owned by one person who |
| Union | | | | is its manager and employee. |
| Costa Mesa | | Individuals who have 30-year | | |
| Gulfport | | mortgages might want to consider a | | Policywriting Agent: An agent who has |
| Fresno | | 30-year term to ensure that the house | | the authority to prepare and effect an |
| Greeley | | is protected throughout the period of | | insurer's policy. |
| Charleston | | the loan. | | |
| Albuquerque | | | | Notice of Cancellation: Written notice |
| Alpharetta | | If you decide to cancel your policy | | by an insurer of intent to cancel |
| St. Louis | | (after acquiring new coverage) | | insurance, or written notice by an |
| Bloomington | | outside of the 30-day period, you may | | insured requesting cancellation. |
| Overland Park | | have to pay a fee or penalty. | | |
| Monroe | | However, you may still save money | | Underwriters Laboratories, Inc. (UL): A |
| Portsmouth | | after paying the fee if your new policy | | testing laboratory for manufactured |
| Portsmouth | | affords you significant savings. So | | items to determine their safety |
| Grand Prairie | | while it is best to wait until your | | propensities. |
| San Bernardino | | receive your renewal notice, you CAN | | |
| Nashville | | cancel your policy at any time. | | Insolvent Insurer: An insurer which is |
| Valdosta | | | | unable to meet its financial |
| Hemet | | Make sure you have a new policy in | | obligations. |
| Morristown | | place before you cancel your old one | | |
| Longview | | to avoid a lapse in coverage. This will | | Claim Expense: The expense of |
| Virginia Beach | | also prevent having to figure out the | | adjusting a claim, such as |
| Stamford | | amount of any unused premium that is | | investigation and attorneys' fees. It |
| Coral Springs | | due to you from your old insurance | | does not include the cost of the claim |
| Salem | | company, or having to spar with your | | itself. |
| Frederick | | agent about exactly when your policy | | |
| Kingsport | | was cancelled and how much they | | Losses Outstanding: A summary |
| San Francisco | | owe you. | | statement prepared by Property, Life, |
| Overland Park | | | | and Liability insurers showing claims |
| Jackson | | If you have noticed that your auto | | not yet settled. |
| Southfield | | insurance rates are still increasing | | |
| Toms River | | with each renewal, or even have not | | Calendar Year Experience: This |
| Orange | | gone down even though you have a | | measures the premiums and losses |
| Rome | | great driving record, this lower pricing | | entered on accounting records during |
| Midland | | trend makes it more important then | | the 12-month calendar. |
| Fullerton | | ever that you shop around for auto | | |
| Jackson | | insurance. | | |
