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| St. Joseph | | The best time to switch policies is | | Basic Rate: The manual rate from |
| Kansas City | | within one month of receiving your | | which discounts are taken or to which |
| Fairfax | | policy renewal from your current | | charges are added to reflect the |
| Rochester | | insurer. You can typically cancel your | | individual circumstances of a risk. |
| Ann Arbor | | policy without any fees or penalties if | | |
| Biloxi | | you act within this time period. | | Agency Company: An insurance |
| Elkhart | | | | company that produces business |
| Dearborn | | The quickest and easiest way to | | through an agency network. Contrast |
| Stockton | | shop for new insurance is by | | with Direct Writer. |
| Lexington | | comparing rates at InsWebs online | | |
| Newport News | | marketplace. If you do it the | | Malinger: To feign a disability for the |
| Worcester | | old-fashioned way (by calling or | | purpose of continuing to collect |
| Carlsbad | | visiting multiple agents or insurance | | benefits longer than actually |
| Warwick | | companies) it could take up a huge | | necessary. |
| Ventura | | chunk of your time, which no one | | |
| Philadelphia | | wants or needs. By completing | | Lloyd's Broker: A person who has the |
| Littleton | | InsWebs online application, you will | | authority to negotiate insurance |
| Modesto | | have rates to compare to your old | | contracts with the underwriters on the |
| Hampton | | ones within minutes! | | floor at Lloyd's. |
