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| Wilmington | | Individuals who have 30-year | | Agency Contract (or Agreement): The |
| Lubbock | | mortgages might want to consider a | | document which establishes the legal |
| North Hollywood | | 30-year term to ensure that the house | | relationship between an agent and an |
| Toms River | | is protected throughout the period of | | insurer. |
| Slidell | | the loan. | | |
| El Cajon | | | | Coding: A method of putting |
| Littleton | | Why not take advantage of current | | information into a numerical form for |
| Vineland | | low prices? Many auto insurance | | statistical use. Most information on |
| Malden | | consumers are becoming educated | | policies is coded and then put into |
| Orange Park | | on other companies, plans, and rates | | reports. |
| Arlington | | that are available to them; ones that | | |
| Fresno | | could afford them significant savings | | Insurance Policy: The printed form |
| Spartanburg | | on their auto insurance. | | which serves as the contract between |
| Amarillo | | | | an insurer and an insured. |
| Sioux Falls | | If you decide to cancel your policy | | |
| Virginia Beach | | (after acquiring new coverage) | | Captive Agent: One who sells |
| Topeka | | outside of the 30-day period, you may | | insurance for only one company as |
| Brooklyn | | have to pay a fee or penalty. | | opposed to an agent who represents |
| Louisville | | However, you may still save money | | several companies. |
| Corona | | after paying the fee if your new policy | | |
| Wilmington | | affords you significant savings. So | | Exclusions: Specific situations, |
| Livonia | | while it is best to wait until your | | conditions, or circumstances that are |
| Evansville | | receive your renewal notice, you CAN | | listed in the contract as being not |
| Oceanside | | cancel your policy at any time. | | covered. |
