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| Pompano Beach | | While some companies raise their | | Producer: A term applied to an agent, |
| Vineland | | prices based on your actual age, | | solicitor or other person who sells |
| Lincoln | | most companies increase the price of | | insurance. |
| Stockbridge | | their policies six months before your | | |
| Billings | | birthday. Its a term called Age | | Calendar Year Experience: This |
| Vineland | | Nearest in the industry, and that | | measures the premiums and losses |
| Springfield | | half-year price increase could really | | entered on accounting records during |
| Vineland | | add up over a 20-year term policy. As | | the 12-month calendar. |
| Lima | | above, the quicker you purchase your | | |
| Stamford | | policy the better. | | Insurance Policy: The printed form |
| Lansing | | | | which serves as the contract between |
| Chattanooga | | Individuals who have 30-year | | an insurer and an insured. |
| Billings | | mortgages might want to consider a | | |
| Canton | | 30-year term to ensure that the house | | Approved Roof: A term used in |
| El Cajon | | is protected throughout the period of | | building construction. It indicates a |
| Fort Lauderdale | | the loan. | | roof made of fire-resistive materials, |
| Downey | | | | such as tile or asphalt shingles. |
| Elkhart | | The best time to switch policies is | | |
| Macon | | within one month of receiving your | | First Party Insurance: Insurance which |
| Albany | | policy renewal from your current | | applies to coverage for the insured's |
| Carlsbad | | insurer. You can typically cancel your | | own property or person. Contrast with |
| Anaheim | | policy without any fees or penalties if | | Third Party Insurance. |
| Fort Lauderdale | | you act within this time period. | | |
| West Chester | | | | Indemnity: Restoration to the victim of |
| Salt Lake City | | Why not take advantage of current | | a loss by payment, repair, or |
| Shreveport | | low prices? Many auto insurance | | replacement. |
| Lorain | | consumers are becoming educated | | |
| Edmond | | on other companies, plans, and rates | | Policywriting Agent: An agent who has |
| Mesquite | | that are available to them; ones that | | the authority to prepare and effect an |
| Baltimore | | could afford them significant savings | | insurer's policy. |
| Charlotte | | on their auto insurance. | | |
| Hartford | | | | Criticism: A correction suggested by a |
| Indianapolis | | Make sure you have a new policy in | | rating or auditing bureau to an insurer. |
| Cherry Hill | | place before you cancel your old one | | |
| Wilmington | | to avoid a lapse in coverage. This will | | |
| Arlington | | also prevent having to figure out the | | |
| Rochester | | amount of any unused premium that is | | |
| San Diego | | due to you from your old insurance | | |
| New Orleans | | company, or having to spar with your | | |
| Jacksonville | | agent about exactly when your policy | | |
| Biloxi | | was cancelled and how much they | | |
| Stockbridge | | owe you. | | |
