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| Jackson | | Why not take advantage of current | | Paid-In Surplus: Surplus paid in by |
| Beaumont | | low prices? Many auto insurance | | stockholders, as contrasted with |
| Malden | | consumers are becoming educated | | surplus earned through the |
| St. Joseph | | on other companies, plans, and rates | | operations of a business. |
| Quincy | | that are available to them; ones that | | |
| Wichita | | could afford them significant savings | | Malinger: To feign a disability for the |
| Belleville | | on their auto insurance. | | purpose of continuing to collect |
| Elkhart | | | | benefits longer than actually |
| Huntington Beach | | While some companies raise their | | necessary. |
| New Orleans | | prices based on your actual age, | | |
| Columbia | | most companies increase the price of | | Tabular Plan: A retrospective rating |
| Toledo | | their policies six months before your | | plan, which uses tables to furnish the |
| El Paso | | birthday. Its a term called Age | | various values for the rating formula. |
| Poughkeepsie | | Nearest in the industry, and that | | |
| Canton | | half-year price increase could really | | Insurance Examiner: The |
| Jasper | | add up over a 20-year term policy. As | | representative of a state insurance |
| Longwood | | above, the quicker you purchase your | | department assigned to participate in |
| Naples | | policy the better. | | the official audit and examination of |
| Des Moines | | | | an insurer. |
| Shreveport | | At InsWeb, you can compare free | | |
| St. Paul | | online insurance quotes from many of | | Brokerage Business: Business |
| Indianapolis | | the nations leading insurance | | offered to an insurer by a broker. This |
| Sioux City | | companies. | | is sometimes called excess or |
| Sarasota | | | | surplus business. |
| Fredericksburg | | The best time to switch policies is | | |
| Sumter | | within one month of receiving your | | Legislative Risk: A risk faced by |
| North Hollywood | | policy renewal from your current | | investors whereby changes in tax |
| Dayton | | insurer. You can typically cancel your | | laws can result in adverse effects on |
| Green Bay | | policy without any fees or penalties if | | the individual's investment results. |
| West Chester | | you act within this time period. | | |
| Escondido | | | | Monoline Policy: Any insurance |
| Edmond | | If you decide to cancel your policy | | coverage written as a single line |
| Huntington Beach | | (after acquiring new coverage) | | policy. Contrast with Multiple Line or |
| Davenport | | outside of the 30-day period, you may | | Package policy. |
| Omaha | | have to pay a fee or penalty. | | |
| Waco | | However, you may still save money | | |
| Venice | | after paying the fee if your new policy | | |
| Davenport | | affords you significant savings. So | | |
| Providence | | while it is best to wait until your | | |
| Savannah | | receive your renewal notice, you CAN | | |
| Redlands | | cancel your policy at any time. | | |
