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| Johnstown | | The best time to switch policies is | | Collusion: An agreement, usually |
| Daytona Beach | | within one month of receiving your | | secret, between two or more persons |
| Las Vegas | | policy renewal from your current | | to defraud or deprive another or |
| Lake Worth | | insurer. You can typically cancel your | | others of their property or rights. |
| Coral Springs | | policy without any fees or penalties if | | |
| Westbury | | you act within this time period. | | Retail Credit Company: The former |
| Youngstown | | | | name of Equifax, a credit reporting |
| Costa Mesa | | If you decide to cancel your policy | | organization. See Equifax. |
| Naples | | (after acquiring new coverage) | | |
| Newport Beach | | outside of the 30-day period, you may | | Flat Cancellation: A policy which is |
| Roanoke | | have to pay a fee or penalty. | | cancelled upon its effective date. |
| Worcester | | However, you may still save money | | Usually under a flat cancellation no |
| Lakewood | | after paying the fee if your new policy | | premium charge is made. |
| Jackson | | affords you significant savings. So | | |
| Burbank | | while it is best to wait until your | | First Party Insurance: Insurance which |
| Fort Myers | | receive your renewal notice, you CAN | | applies to coverage for the insured's |
| Delray Beach | | cancel your policy at any time. | | own property or person. Contrast with |
| West Palm Beach | | | | Third Party Insurance. |
| Torrance | | Why not take advantage of current | | |
| Kingsport | | low prices? Many auto insurance | | Not Taken: Policies applied for and |
| Joliet | | consumers are becoming educated | | issued but rejected by the proposed |
| Poughkeepsie | | on other companies, plans, and rates | | owner and not paid for. |
| New York | | that are available to them; ones that | | |
| Irving | | could afford them significant savings | | Independent Agent: An agent |
| Naples | | on their auto insurance. | | operating as an independent |
| Venice | | | | contractor under the independent |
| Trenton | | Life insurance, specifically Term Life, | | agency system. |
| Amarillo | | is arguably one of the best values in | | |
| Wilmington | | the entire financial services arena. | | Net Loss: The amount of loss |
| Burbank | | Where else can you go and get | | sustained by an insurer after giving |
| Muskegon | | hundreds of thousands of dollars in | | effect to all applicable reinsurance, |
| Silver Spring | | protection for literally pennies per | | salvage, and subrogation recoveries. |
| Macon | | day? Rates for Term Life insurance | | |
| Lansing | | remain at all-time lows, and now is the | | Buy-Back" Deductible: A deductible |
| Wichita Falls | | time to lock in the best prices. | | which may be eliminated for an |
| Bloomington | | | | additional premium in order to |
| Los Angeles | | | | provide "first-dollar" coverage. |
