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| Birmingham | | If you decide to cancel your policy | | Society of Insurance Research: An |
| Fresno | | (after acquiring new coverage) | | organization which encourages |
| Montgomery | | outside of the 30-day period, you may | | insurance research and promotes the |
| West Chester | | have to pay a fee or penalty. | | exchange of ideas and methods of |
| San Diego | | However, you may still save money | | research. |
| Las Vegas | | after paying the fee if your new policy | | |
| Mesa | | affords you significant savings. So | | Premium: The price of insurance |
| Decatur | | while it is best to wait until your | | protection for a specified risk for a |
| Los Angeles | | receive your renewal notice, you CAN | | specified period of time. |
| Lafayette | | cancel your policy at any time. | | |
| Modesto | | | | Basic Rate: The manual rate from |
| St. Louis | | Shopping around is the best way to | | which discounts are taken or to which |
| Cherry Hill | | save money on your insurance. | | charges are added to reflect the |
| Fort Worth | | | | individual circumstances of a risk. |
| Stamford | | Individuals who have 30-year | | |
| Texarkana | | mortgages might want to consider a | | Borderline Risk: An insurance |
| Corona | | 30-year term to ensure that the house | | prospect of doubtful quality from an |
| Davenport | | is protected throughout the period of | | underwriting point of view. |
| North Hollywood | | the loan. | | |
| Nashua | | | | FICA. Federal Insurance Contributions |
| West Palm Beach | | Why not take advantage of current | | Act: A law imposing a payroll tax to |
| Yonkers | | low prices? Many auto insurance | | assist in funding Social Security |
| Ogden | | consumers are becoming educated | | benefits. |
| Fort Wayne | | on other companies, plans, and rates | | |
| Franklin | | that are available to them; ones that | | Independent Contractor: One who |
| Yuma | | could afford them significant savings | | agrees to perform according to a |
| Montgomery | | on their auto insurance. | | contract and who is not an employee. |
