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| Hollywood | | If you decide to cancel your policy | | Calendar Year Experience: This |
| Williamsport | | (after acquiring new coverage) | | measures the premiums and losses |
| Colorado Springs | | outside of the 30-day period, you may | | entered on accounting records during |
| Phoenix | | have to pay a fee or penalty. | | the 12-month calendar. |
| Malden | | However, you may still save money | | |
| Decatur | | after paying the fee if your new policy | | Divided Cover: The placing of |
| Florence | | affords you significant savings. So | | insurance on a given subject or |
| Oxnard | | while it is best to wait until your | | object with more than one insurer. |
| Erie | | receive your renewal notice, you CAN | | |
| Myrtle Beach | | cancel your policy at any time. | | United States Aircraft Insurance |
| Anchorage | | | | Group: A group of insurers providing |
| Muskegon | | The best time to switch policies is | | facilities for all forms of Aviation |
| Sacramento | | within one month of receiving your | | Insurance. |
| Columbus | | policy renewal from your current | | |
| Marietta | | insurer. You can typically cancel your | | Mutualization: The process of |
| Omaha | | policy without any fees or penalties if | | converting a stock insurer to a mutual |
| Burbank | | you act within this time period. | | insurer, accomplished by having the |
| Clinton Township | | | | insurer buy stock and retire it. |
| Toledo | | While some companies raise their | | |
| Gainesville | | prices based on your actual age, | | Professional Insurance Agents |
| Alpharetta | | most companies increase the price of | | Association: A trade association of |
| Whittier | | their policies six months before your | | mutual insurance agents. |
| Daytona Beach | | birthday. Its a term called Age | | |
| Sumter | | Nearest in the industry, and that | | Malicious Mischief: Similar to |
| Warwick | | half-year price increase could really | | vandalism. Purposely damaging the |
| Raleigh | | add up over a 20-year term policy. As | | rights or property of another. |
| Corona | | above, the quicker you purchase your | | |
| Palo Alto | | policy the better. | | Brokerage Business: Business |
| Glendale | | | | offered to an insurer by a broker. This |
| Stockton | | Healthy people have the best | | is sometimes called excess or |
| Springfield | | mortality risks and thus are much | | surplus business. |
| Stamford | | cheaper for companies to insure. This | | |
| Philadelphia | | translates into lower rates for the | | Brick Veneer Construction: Refers to |
| Norfolk | | Super Preferred customer than | | a building where the outside walls are |
| West Chester | | someone with higher risk factors such | | constructed of wood with a facing of a |
| Hartford | | as a heart condition, cancer or | | single layer of brick. |
| Jacksonville | | diabetes. Conversely, if you were | | |
| Athens | | unhealthy when you acquired your | | |
| Turlock | | policy, and your health has now | | |
| Sumter | | improved, it might be time to shop for | | |
| Huntington Beach | | a new policy, as your rates are likely | | |
| Fort Wayne | | to be lower. | | |
