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| Fall River | | Make sure you have a new policy in | | Overlapping Insurance: Coverage |
| Columbia | | place before you cancel your old one | | from two or more policies or insurers |
| Grand Prairie | | to avoid a lapse in coverage. This will | | which duplicates coverage of certain |
| Duluth | | also prevent having to figure out the | | risks. |
| Naples | | amount of any unused premium that is | | |
| York | | due to you from your old insurance | | Brick Veneer Construction: Refers to |
| Marietta | | company, or having to spar with your | | a building where the outside walls are |
| Decatur | | agent about exactly when your policy | | constructed of wood with a facing of a |
| San Jose | | was cancelled and how much they | | single layer of brick. |
| Greenville | | owe you. | | |
| Bloomington | | | | Substandard Risk: A risk not |
| Flint | | We offer quotes for auto insurance, | | measuring up to underwriting |
| Gulfport | | life insurance, homeowners | | standards. It may still be written but |
| Fort Worth | | insurance, health insurance, term life | | usually at a surcharged premium. |
| Florence | | insurance and more. | | |
| Akron | | | | Agent's Qualification Law: Education, |
| Henderson | | If you decide to cancel your policy | | experience, and other requirements |
| Milwaukee | | (after acquiring new coverage) | | imposed by the state upon persons |
| El Paso | | outside of the 30-day period, you may | | desiring to be licensed as agents. |
| Tallahassee | | have to pay a fee or penalty. | | |
| Los Angeles | | However, you may still save money | | Countersignature: The signature of a |
| Turlock | | after paying the fee if your new policy | | licensed agent or representative on a |
| Dubuque | | affords you significant savings. So | | policy. |
| Plano | | while it is best to wait until your | | |
| Scranton | | receive your renewal notice, you CAN | | National Auto Theft Bureau: An |
| Orange | | cancel your policy at any time. | | organization engaged in the |
| Reading | | | | prevention and reduction of motor |
| Cleveland | | While some companies raise their | | vehicle fire and theft losses. |
| Newark | | prices based on your actual age, | | |
| Riverside | | most companies increase the price of | | Brokerage Department: A department |
| Chattanooga | | their policies six months before your | | of an insurer whose purpose is to |
| San Diego | | birthday. Its a term called Age | | deal with brokers in the placing of |
| Chandler | | Nearest in the industry, and that | | insurance. |
| Palo Alto | | half-year price increase could really | | |
| New Orleans | | add up over a 20-year term policy. As | | |
| Honolulu | | above, the quicker you purchase your | | |
| Washington | | policy the better. | | |
