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| Peoria | | If you decide to cancel your policy | | Provisional Rate: Tentative rates, |
| Syracuse | | (after acquiring new coverage) | | premiums or commissions that are |
| Fort Lauderdale | | outside of the 30-day period, you may | | subject to subsequent adjustment. |
| Melbourne | | have to pay a fee or penalty. | | See Commission and Premium. |
| Kansas City | | However, you may still save money | | |
| Springfield | | after paying the fee if your new policy | | Net Interest Earned: The average |
| Richmond | | affords you significant savings. So | | interest earned by an insurer on its |
| Evansville | | while it is best to wait until your | | investments after investment expense |
| Vero Beach | | receive your renewal notice, you CAN | | but before federal income taxes. |
| Jacksonville | | cancel your policy at any time. | | |
| Minneapolis | | | | Building Code: This refers to |
| Fort Lauderdale | | Individuals who have 30-year | | municipal or other governmental |
| El Paso | | mortgages might want to consider a | | ordinances regulating the type of |
| Jacksonville | | 30-year term to ensure that the house | | construction of buildings within its |
| Garland | | is protected throughout the period of | | jurisdiction. |
| San Bernardino | | the loan. | | |
| Bradenton | | | | Basic Rate: The manual rate from |
| Malden | | If you have noticed that your auto | | which discounts are taken or to which |
| Orange Park | | insurance rates are still increasing | | charges are added to reflect the |
| Lorain | | with each renewal, or even have not | | individual circumstances of a risk. |
| Charleston | | gone down even though you have a | | |
| Redlands | | great driving record, this lower pricing | | Exclusion: A contractual provision that |
| Newark | | trend makes it more important then | | denies coverage for certain perils, |
| Henderson | | ever that you shop around for auto | | persons, property, or locations. |
| Pompano Beach | | insurance. | | |
| Muncie | | | | Independent Contractor: One who |
| Fayetteville | | The best time to switch policies is | | agrees to perform according to a |
| Fort Smith | | within one month of receiving your | | contract and who is not an employee. |
| Knoxville | | policy renewal from your current | | |
| Morristown | | insurer. You can typically cancel your | | Paid-In Surplus: Surplus paid in by |
| Scranton | | policy without any fees or penalties if | | stockholders, as contrasted with |
| Tempe | | you act within this time period. | | surplus earned through the |
| Belleville | | | | operations of a business. |
| Tyler | | People who are trying to quit | | |
| Roanoke | | smoking, for example, might be best | | |
| Springfield | | suited purchasing a shorter term (and | | |
| Quincy | | then replacing it with a longer term | | |
| Tulsa | | policy when they qualify for | | |
| Stuart | | non-tobacco prices). | | |
