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| Portland | | If you decide to cancel your policy | | Business: In Property, Liability, and |
| Lafayette | | (after acquiring new coverage) | | Health lines, it usually refers to the |
| Dallas | | outside of the 30-day period, you may | | volume of premiums. |
| Cedar Rapids | | have to pay a fee or penalty. | | |
| Newark | | However, you may still save money | | Index Bureau Experience: A measure |
| Mesa | | after paying the fee if your new policy | | of losses relating to claims reported |
| Boynton Beach | | affords you significant savings. So | | through a claim office during a |
| Springfield | | while it is best to wait until your | | 12-month period. |
| Wilmington | | receive your renewal notice, you CAN | | |
| Denton | | cancel your policy at any time. | | Accident Year Experience: Measures |
| Fort Worth | | | | premiums and losses relating to |
| Walnut Creek | | Individuals who have 30-year | | accidents which occurred during a |
| Durham | | mortgages might want to consider a | | 12-month period. |
| Daytona Beach | | 30-year term to ensure that the house | | |
| Erie | | is protected throughout the period of | | Premium Receipt: The receipt given |
| Livonia | | the loan. | | a policy owner for the payment of a |
| Dothan | | | | premium. |
| Savannah | | Shopping around is the best way to | | |
| Palm Harbor | | save money on your insurance. | | Broker-Agent: One acting as an agent |
| Carlsbad | | | | of one or more insurers and as a |
| Indianapolis | | The quickest and easiest way to | | broker in dealing with one or more |
| Joliet | | shop for new insurance is by | | other insurers. |
| Palo Alto | | comparing rates at InsWebs online | | |
| Edison | | marketplace. If you do it the | | Captive Agent: One who sells |
| New York | | old-fashioned way (by calling or | | insurance for only one company as |
| Longview | | visiting multiple agents or insurance | | opposed to an agent who represents |
| Newark | | companies) it could take up a huge | | several companies. |
| Racine | | chunk of your time, which no one | | |
| Atlanta | | wants or needs. By completing | | Expense Allowance: A compensation |
| Minneapolis | | InsWebs online application, you will | | paid to an insurance agent in excess |
| Elkhart | | have rates to compare to your old | | of prescribed commissions. |
| Rockford | | ones within minutes! | | |
| Chattanooga | | | | Endorsement: A written or printed form |
| Jasper | | While some companies raise their | | attached to the policy which alters |
| Stuart | | prices based on your actual age, | | provisions of the contract. |
| South Bend | | most companies increase the price of | | |
| Williamsburg | | their policies six months before your | | |
| Bloomington | | birthday. Its a term called Age | | |
| Irving | | Nearest in the industry, and that | | |
| Delray Beach | | half-year price increase could really | | |
| Santa Clara | | add up over a 20-year term policy. As | | |
| Honolulu | | above, the quicker you purchase your | | |
| Flushing | | policy the better. | | |
