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| South Bend | | The best time to switch policies is | | Examiner: An employee assigned by |
| Rochester | | within one month of receiving your | | the state insurance department to |
| Evanston | | policy renewal from your current | | audit insurers' records. |
| Topeka | | insurer. You can typically cancel your | | |
| Huntington | | policy without any fees or penalties if | | Claim: A demand made by the |
| Carlsbad | | you act within this time period. | | insured, or the insured's beneficiary, |
| Waco | | | | for payment of the benefits provided |
| Bakersfield | | Make sure you have a new policy in | | by the contract. |
| Yonkers | | place before you cancel your old one | | |
| Delray Beach | | to avoid a lapse in coverage. This will | | Policywriting Agent: An agent who has |
| Springfield | | also prevent having to figure out the | | the authority to prepare and effect an |
| Omaha | | amount of any unused premium that is | | insurer's policy. |
| Lancaster | | due to you from your old insurance | | |
| Topeka | | company, or having to spar with your | | American Risk and Insurance |
| Owensboro | | agent about exactly when your policy | | Association: An association of |
| Redlands | | was cancelled and how much they | | insurance educators and others |
| Long Island City | | owe you. | | interested in insurance study and |
| Warren | | | | research. |
| Virginia Beach | | While some companies raise their | | |
| Shreveport | | prices based on your actual age, | | Producer: A term applied to an agent, |
| Bronx | | most companies increase the price of | | solicitor or other person who sells |
| Escondido | | their policies six months before your | | insurance. |
| Las Vegas | | birthday. Its a term called Age | | |
| Eugene | | Nearest in the industry, and that | | Notice To Company: Written notice to |
| Quincy | | half-year price increase could really | | an insurer of the occurrence of an |
| Evanston | | add up over a 20-year term policy. As | | event which a claim is to be based. |
| Newark | | above, the quicker you purchase your | | |
| Houston | | policy the better. | | Insolvent Insurer: An insurer which is |
| Hot Springs | | | | unable to meet its financial |
| Cookeville | | Why not take advantage of current | | obligations. |
| Fort Myers | | low prices? Many auto insurance | | |
| Chesapeake | | consumers are becoming educated | | Submitted Business: Applications for |
| Westbury | | on other companies, plans, and rates | | insurance submitted to an insurer but |
| Evansville | | that are available to them; ones that | | not yet acted upon by it. |
| Albuquerque | | could afford them significant savings | | |
| Tulsa | | on their auto insurance. | | |
