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| Tacoma | | People who are trying to quit | | Coding: A method of putting |
| Edmond | | smoking, for example, might be best | | information into a numerical form for |
| San Jose | | suited purchasing a shorter term (and | | statistical use. Most information on |
| Sacramento | | then replacing it with a longer term | | policies is coded and then put into |
| Buffalo | | policy when they qualify for | | reports. |
| Quincy | | non-tobacco prices). | | |
| Fort Worth | | | | Malicious Mischief: Similar to |
| Billings | | The best time to switch policies is | | vandalism. Purposely damaging the |
| Spartanburg | | within one month of receiving your | | rights or property of another. |
| Costa Mesa | | policy renewal from your current | | |
| Killeen | | insurer. You can typically cancel your | | Indemnity: Restoration to the victim of |
| Naperville | | policy without any fees or penalties if | | a loss by payment, repair, or |
| Fredericksburg | | you act within this time period. | | replacement. |