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| Yonkers | | The quickest and easiest way to | | Flat Cancellation: A policy which is |
| Bradenton | | shop for new insurance is by | | cancelled upon its effective date. |
| Jersey City | | comparing rates at InsWebs online | | Usually under a flat cancellation no |
| Albany | | marketplace. If you do it the | | premium charge is made. |
| Canton | | old-fashioned way (by calling or | | |
| Toledo | | visiting multiple agents or insurance | | Brick Veneer Construction: Refers to |
| Jackson | | companies) it could take up a huge | | a building where the outside walls are |
| Olympia | | chunk of your time, which no one | | constructed of wood with a facing of a |
| Malden | | wants or needs. By completing | | single layer of brick. |
| Sacramento | | InsWebs online application, you will | | |
| Walnut Creek | | have rates to compare to your old | | Loss Frequency: The number of times |
| Lawrenceville | | ones within minutes! | | a loss occurs over a specific period |
| Goldsboro | | | | of time. |
| Huntsville | | Individuals who have 30-year | | |
| Lancaster | | mortgages might want to consider a | | Tabular Plan: A retrospective rating |
| Springfield | | 30-year term to ensure that the house | | plan, which uses tables to furnish the |
| Chattanooga | | is protected throughout the period of | | various values for the rating formula. |
| Williamsport | | the loan. | | |
| Fremont | | | | Cut Rate: This term generally applies |
| Fullerton | | If you decide to cancel your policy | | to insurance companies who charge |
| Los Angeles | | (after acquiring new coverage) | | premiums below a normal or average |
| Dayton | | outside of the 30-day period, you may | | rate. |
| Coral Springs | | have to pay a fee or penalty. | | |
| Wichita | | However, you may still save money | | Depreciation: A decrease in the value |
| Silver Spring | | after paying the fee if your new policy | | of any type of tangible property over |
| Council Bluffs | | affords you significant savings. So | | a period of time resulting from use, |
| Daytona Beach | | while it is best to wait until your | | wear and tear, or obsolescence. |
| Rockville | | receive your renewal notice, you CAN | | |
| Goldsboro | | cancel your policy at any time. | | Notice To Company: Written notice to |
| Bloomington | | | | an insurer of the occurrence of an |
| Wilmington | | While some companies raise their | | event which a claim is to be based. |
| Jacksonville | | prices based on your actual age, | | |
| Plano | | most companies increase the price of | | Approved: The condition which exists |
| Malden | | their policies six months before your | | when the person or object to be |
| Quincy | | birthday. Its a term called Age | | insured meets the underwriting |
| Hartford | | Nearest in the industry, and that | | standards of the insurer. |
| Albany | | half-year price increase could really | | |
| Fort Smith | | add up over a 20-year term policy. As | | |
| Delray Beach | | above, the quicker you purchase your | | |
| Chattanooga | | policy the better. | | |
