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| Odessa | | If you decide to cancel your policy | | Society of Insurance Research: An |
| Scranton | | (after acquiring new coverage) | | organization which encourages |
| Glendale | | outside of the 30-day period, you may | | insurance research and promotes the |
| Chattanooga | | have to pay a fee or penalty. | | exchange of ideas and methods of |
| Riverside | | However, you may still save money | | research. |
| Cypress | | after paying the fee if your new policy | | |
| Oxnard | | affords you significant savings. So | | Gross Line: The total limit accepted |
| Bloomington | | while it is best to wait until your | | by an insurer on an individual risk, |
| Lake Charles | | receive your renewal notice, you CAN | | including the amount to be reinsured. |
| Santa Clara | | cancel your policy at any time. | | |
| Richmond | | | | Adjustment Bureau: A firm organized |
| New Port Richey | | People who are trying to quit | | to provide adjustment services to |
| Muncie | | smoking, for example, might be best | | insurers not wishing to create their |
| San Diego | | suited purchasing a shorter term (and | | own claims division. |
| Livonia | | then replacing it with a longer term | | |
| Athens | | policy when they qualify for | | Business: In Property, Liability, and |
| Overland Park | | non-tobacco prices). | | Health lines, it usually refers to the |
| Dallas | | | | volume of premiums. |
| Flint | | Healthy people have the best | | |
| Chesapeake | | mortality risks and thus are much | | Depreciation: A decrease in the value |
| Phoenix | | cheaper for companies to insure. This | | of any type of tangible property over |
| West Chester | | translates into lower rates for the | | a period of time resulting from use, |
| Chula Vista | | Super Preferred customer than | | wear and tear, or obsolescence. |
| Portland | | someone with higher risk factors such | | |
| Chattanooga | | as a heart condition, cancer or | | Deflation: An economic period |
| Columbus | | diabetes. Conversely, if you were | | characterized by falling prices, high |
| Baltimore | | unhealthy when you acquired your | | unemployment and a generally |
| Ocala | | policy, and your health has now | | sluggish or slow economy. |
| Henderson | | improved, it might be time to shop for | | |
| Minneapolis | | a new policy, as your rates are likely | | Lloyd's Broker: A person who has the |
| Mesquite | | to be lower. | | authority to negotiate insurance |
| Bay City | | | | contracts with the underwriters on the |
| Lake Worth | | Shopping around is the best way to | | floor at Lloyd's. |
| Bakersfield | | save money on your insurance. | | |
