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| Scottsdale | | Why not take advantage of current | | Policywriting Agent: An agent who has |
| Washington | | low prices? Many auto insurance | | the authority to prepare and effect an |
| Duluth | | consumers are becoming educated | | insurer's policy. |
| Palm Harbor | | on other companies, plans, and rates | | |
| Lexington | | that are available to them; ones that | | We/Us/Our: These words are used to |
| Hollywood | | could afford them significant savings | | refer to the insurer in many of the |
| Huntsville | | on their auto insurance. | | modernized/personalized policy |
| Yonkers | | | | forms recently introduced. |
| Ann Arbor | | The quickest and easiest way to | | |
| Torrance | | shop for new insurance is by | | Notice of Cancellation: Written notice |
| Redlands | | comparing rates at InsWebs online | | by an insurer of intent to cancel |
| Tempe | | marketplace. If you do it the | | insurance, or written notice by an |
| Santa Barbara | | old-fashioned way (by calling or | | insured requesting cancellation. |
| Decatur | | visiting multiple agents or insurance | | |
| Inglewood | | companies) it could take up a huge | | Replacement: A new policy written to |
| Newark | | chunk of your time, which no one | | take the place of one currently in force. |
| Hampton | | wants or needs. By completing | | |
| Columbus | | InsWebs online application, you will | | Claim: A demand made by the |
| Quincy | | have rates to compare to your old | | insured, or the insured's beneficiary, |
| Hampton | | ones within minutes! | | for payment of the benefits provided |
| Shreveport | | | | by the contract. |
| Newark | | People who are trying to quit | | |
| Chesapeake | | smoking, for example, might be best | | Endorsement: A written or printed form |
| Killeen | | suited purchasing a shorter term (and | | attached to the policy which alters |
| Toledo | | then replacing it with a longer term | | provisions of the contract. |
| Springfield | | policy when they qualify for | | |
| Cookeville | | non-tobacco prices). | | Commingling: An illegal practice |
| Westbury | | | | which occurs when an agent mixes |
| Worcester | | Make sure you have a new policy in | | personal funds with the insured's or |
| Fayetteville | | place before you cancel your old one | | insurer's funds. |
| Johnstown | | to avoid a lapse in coverage. This will | | |
| Palm Harbor | | also prevent having to figure out the | | Independent Agent: An agent |
| Miami | | amount of any unused premium that is | | operating as an independent |
| Fort Myers | | due to you from your old insurance | | contractor under the independent |
| Greenville | | company, or having to spar with your | | agency system. |
| Mesquite | | agent about exactly when your policy | | |
| Pensacola | | was cancelled and how much they | | |
| Inglewood | | owe you. | | |
