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| Acworth | | The best time to switch policies is | | Mandatory Valuation Reserve: A |
| Columbia | | within one month of receiving your | | reserve required by a state law to |
| Florissant | | policy renewal from your current | | offset any declines in the valuation of |
| Allentown | | insurer. You can typically cancel your | | securities listed as admitted assets. |
| Midland | | policy without any fees or penalties if | | |
| Salem | | you act within this time period. | | Flat Cancellation: A policy which is |
| Orange | | | | cancelled upon its effective date. |
| Tempe | | If you have noticed that your auto | | Usually under a flat cancellation no |
| Shreveport | | insurance rates are still increasing | | premium charge is made. |
| Flint | | with each renewal, or even have not | | |
| Fall River | | gone down even though you have a | | Overlapping Insurance: Coverage |
| Rochester | | great driving record, this lower pricing | | from two or more policies or insurers |
| Richmond | | trend makes it more important then | | which duplicates coverage of certain |
| Melbourne | | ever that you shop around for auto | | risks. |
| Lawrenceville | | insurance. | | |
| Little Rock | | | | Professional Insurance Agents |
| Bay City | | Everyone has different needs, and | | Association: A trade association of |
| Glendale | | not one size fits all when it comes to | | mutual insurance agents. |
| Mobile | | term life insurance. While it may make | | |
| Englewood | | sense for people in their 30s and 40s | | Valued: Relating to an agreement by |
| Tampa | | to secure a 20-year term length, a | | an insurer to pay a specified amount |
| Long Island City | | 10-year term might be more | | of money to or on behalf of the |
| North Hollywood | | appropriate for someone nearing | | insured upon occurrence of a defined |
| Washington | | retirement. | | loss. |
