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| Tallahassee | | The best time to switch policies is | | Mutualization: The process of |
| Joliet | | within one month of receiving your | | converting a stock insurer to a mutual |
| Cookeville | | policy renewal from your current | | insurer, accomplished by having the |
| Hot Springs | | insurer. You can typically cancel your | | insurer buy stock and retire it. |
| Fort Wayne | | policy without any fees or penalties if | | |
| Pittsburgh | | you act within this time period. | | New For Old: Replacing old |
| Omaha | | | | damaged parts or equipment with |
| Southfield | | People who are trying to quit | | new ones rather than repairing them. |
| Cape Coral | | smoking, for example, might be best | | |
| Conroe | | suited purchasing a shorter term (and | | Provisional Rate: Tentative rates, |
| Modesto | | then replacing it with a longer term | | premiums or commissions that are |
| Independence | | policy when they qualify for | | subject to subsequent adjustment. |
| Charlotte | | non-tobacco prices). | | See Commission and Premium. |