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| Escondido | | Healthy people have the best | | Insurance Examiner: The |
| Dubuque | | mortality risks and thus are much | | representative of a state insurance |
| Walnut Creek | | cheaper for companies to insure. This | | department assigned to participate in |
| Baton Rouge | | translates into lower rates for the | | the official audit and examination of |
| Corpus Christi | | Super Preferred customer than | | an insurer. |
| Gainesville | | someone with higher risk factors such | | |
| Johnson City | | as a heart condition, cancer or | | Not Taken: Policies applied for and |
| Panama City | | diabetes. Conversely, if you were | | issued but rejected by the proposed |
| Venice | | unhealthy when you acquired your | | owner and not paid for. |
| Los Angeles | | policy, and your health has now | | |
| Lawton | | improved, it might be time to shop for | | Minimum Premium: The smallest |
| Rome | | a new policy, as your rates are likely | | amount of premium for which an |
| Brooklyn | | to be lower. | | insurer will issue coverage under a |
| White Plains | | | | given policy. |
| Hot Springs | | If you decide to cancel your policy | | |
| Dallas | | (after acquiring new coverage) | | National Auto Theft Bureau: An |
| Corona | | outside of the 30-day period, you may | | organization engaged in the |
| Union | | have to pay a fee or penalty. | | prevention and reduction of motor |
| Edison | | However, you may still save money | | vehicle fire and theft losses. |
| Wilmington | | after paying the fee if your new policy | | |
| Memphis | | affords you significant savings. So | | Submitted Business: Applications for |
| Palm Desert | | while it is best to wait until your | | insurance submitted to an insurer but |
| Ann Arbor | | receive your renewal notice, you CAN | | not yet acted upon by it. |
| Sacramento | | cancel your policy at any time. | | |
| Richmond | | | | Flat Cancellation: A policy which is |
| Worcester | | The quickest and easiest way to | | cancelled upon its effective date. |
| Vineland | | shop for new insurance is by | | Usually under a flat cancellation no |
| Abilene | | comparing rates at InsWebs online | | premium charge is made. |
| Charlotte | | marketplace. If you do it the | | |
| Milwaukee | | old-fashioned way (by calling or | | Net Retention: The amount of |
| Bellevue | | visiting multiple agents or insurance | | insurance that a ceding company |
| Metairie | | companies) it could take up a huge | | keeps for its own account and does |
| Clearwater | | chunk of your time, which no one | | not reinsure. |
| Miami | | wants or needs. By completing | | |
| Cincinnati | | InsWebs online application, you will | | |
| Bakersfield | | have rates to compare to your old | | |
| Las Cruces | | ones within minutes! | | |
