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| Springfield | | The best time to switch policies is | | Open Rating: A system whereby a |
| Englewood | | within one month of receiving your | | state allows an insurer to use rates |
| Long Beach | | policy renewal from your current | | without prior approval. |
| Santa Ana | | insurer. You can typically cancel your | | |
| Vancouver | | policy without any fees or penalties if | | Paid-In Surplus: Surplus paid in by |
| Biloxi | | you act within this time period. | | stockholders, as contrasted with |
| Chandler | | | | surplus earned through the |
| Arlington | | At InsWeb, you can compare free | | operations of a business. |
| San Antonio | | online insurance quotes from many of | | |
| Spokane | | the nations leading insurance | | Admitted (or Allowed) Assets: Assets |
| Hot Springs | | companies. | | whose values are permitted by state |
| Newport Beach | | | | law to be included in the annual |
| New York | | While some companies raise their | | statement of the insurer. |
| Texarkana | | prices based on your actual age, | | |
| Quincy | | most companies increase the price of | | Cut Rate: This term generally applies |
| Newburgh | | their policies six months before your | | to insurance companies who charge |
| Lawton | | birthday. Its a term called Age | | premiums below a normal or average |
| Acworth | | Nearest in the industry, and that | | rate. |
| Panama City | | half-year price increase could really | | |
| Aurora | | add up over a 20-year term policy. As | | Deficit Carried Forward: The transfer |
| Santa Rosa | | above, the quicker you purchase your | | of a debit balance from one |
| Sterling Heights | | policy the better. | | accounting period to another. |
