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| Newport News | | While some companies raise their | | Business: In Property, Liability, and |
| Abilene | | prices based on your actual age, | | Health lines, it usually refers to the |
| Lexington | | most companies increase the price of | | volume of premiums. |
| Hickory | | their policies six months before your | | |
| Harrisburg | | birthday. Its a term called Age | | Insurance Examiner: The |
| Morristown | | Nearest in the industry, and that | | representative of a state insurance |
| Fort Myers | | half-year price increase could really | | department assigned to participate in |
| Acworth | | add up over a 20-year term policy. As | | the official audit and examination of |
| Houston | | above, the quicker you purchase your | | an insurer. |
| Salem | | policy the better. | | |
| Gainesville | | | | Underinsurance: A condition in which |
| Madison | | Make sure you have a new policy in | | not enough insurance is carried to |
| Valdosta | | place before you cancel your old one | | cover the insurable value. |
| Mesquite | | to avoid a lapse in coverage. This will | | |
| Denver | | also prevent having to figure out the | | Operating Expense: The expense of |
| Erie | | amount of any unused premium that is | | an insurer other than commissions |
| Kingsport | | due to you from your old insurance | | and taxes. Called " and Insurance |
| Schenectady | | company, or having to spar with your | | Expense" in the convention statement |
| Decatur | | agent about exactly when your policy | | blank. |
| Boise | | was cancelled and how much they | | |
| Tyler | | owe you. | | Public Adjuster: An insurance adjuster |
| Orange | | | | who represents an insured on a fee |
| Gulfport | | If you decide to cancel your policy | | basis in claims settlement. Contrast |
| Fresno | | (after acquiring new coverage) | | with Independent Adjuster. |
| Sioux City | | outside of the 30-day period, you may | | |
| Cincinnati | | have to pay a fee or penalty. | | Premium Receipt: The receipt given |
| Columbus | | However, you may still save money | | a policy owner for the payment of a |
| Hot Springs | | after paying the fee if your new policy | | premium. |
| Daytona Beach | | affords you significant savings. So | | |
| Amarillo | | while it is best to wait until your | | Federal Deposit Insurance |
| Stamford | | receive your renewal notice, you CAN | | Corporation (FDIC): An agency of the |
| Owensboro | | cancel your policy at any time. | | federal government which insures |
| Newport News | | | | bank deposits up to a stated |
| St. Paul | | At InsWeb, you can compare free | | maximum. |
| El Paso | | online insurance quotes from many of | | |
| Greenville | | the nations leading insurance | | |
| Allentown | | companies. | | |
