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| Lake Worth | | Everyone has different needs, and | | Nonadmitted Insurer: An insurer not |
| Reno | | not one size fits all when it comes to | | licensed to do business in the |
| Rome | | term life insurance. While it may make | | jurisdiction in question. Same as |
| Salem | | sense for people in their 30s and 40s | | Unauthorized Insurer and Unlicensed |
| Reno | | to secure a 20-year term length, a | | Insurer. |
| Fort Lauderdale | | 10-year term might be more | | |
| Phoenix | | appropriate for someone nearing | | Minimum Premium: The smallest |
| Rochester | | retirement. | | amount of premium for which an |
| Sioux City | | | | insurer will issue coverage under a |
| Fort Myers | | If you have noticed that your auto | | given policy. |
| Baton Rouge | | insurance rates are still increasing | | |
| Gainesville | | with each renewal, or even have not | | Exclusion: A contractual provision that |
| Warren | | gone down even though you have a | | denies coverage for certain perils, |
| Buffalo | | great driving record, this lower pricing | | persons, property, or locations. |
| Lexington | | trend makes it more important then | | |
| Topeka | | ever that you shop around for auto | | Single Limit: Any insurance coverage |
| Quincy | | insurance. | | which is expressed as a single |
| Malden | | | | amount of insurance, or a single limit |
| Boca Raton | | At InsWeb, you can compare free | | of liability. Contrast with Split Limit. |
| Walnut Creek | | online insurance quotes from many of | | |
| Springfield | | the nations leading insurance | | Society of Insurance Research: An |
| Salt Lake City | | companies. | | organization which encourages |
| Greenville | | | | insurance research and promotes the |
| Athens | | If you decide to cancel your policy | | exchange of ideas and methods of |
| Mobile | | (after acquiring new coverage) | | research. |
| Toledo | | outside of the 30-day period, you may | | |
| Mobile | | have to pay a fee or penalty. | | Commingling: An illegal practice |
| Conroe | | However, you may still save money | | which occurs when an agent mixes |
| Spartanburg | | after paying the fee if your new policy | | personal funds with the insured's or |
| Topeka | | affords you significant savings. So | | insurer's funds. |
| Corona | | while it is best to wait until your | | |
| West Chester | | receive your renewal notice, you CAN | | Exclusions: Specific situations, |
| Duluth | | cancel your policy at any time. | | conditions, or circumstances that are |
| Portland | | | | listed in the contract as being not |
| Warren | | | | covered. |
