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| Green Bay | | Why not take advantage of current | | Countersignature: The signature of a |
| Toms River | | low prices? Many auto insurance | | licensed agent or representative on a |
| Newburgh | | consumers are becoming educated | | policy. |
| Scranton | | on other companies, plans, and rates | | |
| Bronx | | that are available to them; ones that | | Standard Industry Code (SIC): This is |
| Poughkeepsie | | could afford them significant savings | | a coding system which assigns |
| Lubbock | | on their auto insurance. | | separate codes for different types of |
| Tampa | | | | industries. |
| Jonesboro | | Make sure you have a new policy in | | |
| Costa Mesa | | place before you cancel your old one | | Open Rating: A system whereby a |
| Cypress | | to avoid a lapse in coverage. This will | | state allows an insurer to use rates |
| Providence | | also prevent having to figure out the | | without prior approval. |
| Oxnard | | amount of any unused premium that is | | |
| Fort Lauderdale | | due to you from your old insurance | | Inspection: Independent checking on |
| Los Angeles | | company, or having to spar with your | | facts about an applicant, |
| Cedar Rapids | | agent about exactly when your policy | | policyholder, or claimant, usually by a |
| Santa Rosa | | was cancelled and how much they | | commercial inspection agency. |
| Evanston | | owe you. | | |
| Albuquerque | | | | Time Limits: The limits of time within |
| Carlsbad | | The best time to switch policies is | | which notice of a claim and proof of a |
| Glendale | | within one month of receiving your | | loss must be submitted. |
| Hemet | | policy renewal from your current | | |
| Ventura | | insurer. You can typically cancel your | | Insurance Examiner: The |
| Beaumont | | policy without any fees or penalties if | | representative of a state insurance |
| Palm Harbor | | you act within this time period. | | department assigned to participate in |
| Mesquite | | | | the official audit and examination of |
| Denton | | While some companies raise their | | an insurer. |
| Lakewood | | prices based on your actual age, | | |
| Newburgh | | most companies increase the price of | | Fictitious Groups: Groups formed |
| Fort Wayne | | their policies six months before your | | primarily for the purpose of buying |
| Tacoma | | birthday. Its a term called Age | | insurance. Under the law such groups |
| Albuquerque | | Nearest in the industry, and that | | may not be underwritten. |
| Muncie | | half-year price increase could really | | |
| Wichita Falls | | add up over a 20-year term policy. As | | American Risk and Insurance |
| Vancouver | | above, the quicker you purchase your | | Association: An association of |
| Slidell | | policy the better. | | insurance educators and others |
| Bloomington | | | | interested in insurance study and |
| Houston | | | | research. |
