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| Schenectady | | Make sure you have a new policy in | | Professional Insurance Agents |
| Atlanta | | place before you cancel your old one | | Association: A trade association of |
| Redlands | | to avoid a lapse in coverage. This will | | mutual insurance agents. |
| Springfield | | also prevent having to figure out the | | |
| Yuma | | amount of any unused premium that is | | Flat Cancellation: A policy which is |
| Clearwater | | due to you from your old insurance | | cancelled upon its effective date. |
| Harlingen | | company, or having to spar with your | | Usually under a flat cancellation no |
| Clinton Township | | agent about exactly when your policy | | premium charge is made. |
| Des Moines | | was cancelled and how much they | | |
| Myrtle Beach | | owe you. | | Brokerage Department: A department |
| Ventura | | | | of an insurer whose purpose is to |
| Davenport | | If you decide to cancel your policy | | deal with brokers in the placing of |
| Portsmouth | | (after acquiring new coverage) | | insurance. |
| Santa Monica | | outside of the 30-day period, you may | | |
| Santa Clara | | have to pay a fee or penalty. | | Cut Rate: This term generally applies |
| Fort Wayne | | However, you may still save money | | to insurance companies who charge |
| Morristown | | after paying the fee if your new policy | | premiums below a normal or average |
| Kansas City | | affords you significant savings. So | | rate. |
| Fort Wayne | | while it is best to wait until your | | |
| Wichita | | receive your renewal notice, you CAN | | Lapsed Policy: One which has been |
| Stockbridge | | cancel your policy at any time. | | allowed to expire because of |
| Denton | | | | nonpayment of premiums. |
| Santa Monica | | We offer quotes for auto insurance, | | |
| Palm Desert | | life insurance, homeowners | | Indemnify: To restore the victim of a |
| Hollywood | | insurance, health insurance, term life | | loss to the same position as before |
| Warren | | insurance and more. | | the loss occurred. |
