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| Tulsa | | People who are trying to quit | | Borderline Risk: An insurance |
| Reading | | smoking, for example, might be best | | prospect of doubtful quality from an |
| Yonkers | | suited purchasing a shorter term (and | | underwriting point of view. |
| Vero Beach | | then replacing it with a longer term | | |
| Thousand Oaks | | policy when they qualify for | | Agent's Qualification Law: Education, |
| Atlanta | | non-tobacco prices). | | experience, and other requirements |
| Bradenton | | | | imposed by the state upon persons |
| Fayetteville | | At InsWeb, you can compare free | | desiring to be licensed as agents. |
| Denton | | online insurance quotes from many of | | |
| Roanoke | | the nations leading insurance | | Independent Agent: An agent |
| Johnstown | | companies. | | operating as an independent |
| York | | | | contractor under the independent |
| Topeka | | Why not take advantage of current | | agency system. |
| Richmond | | low prices? Many auto insurance | | |
| El Cajon | | consumers are becoming educated | | Short Rate Premium: The premium |
| Hartford | | on other companies, plans, and rates | | required for issuing a policy for a |
| Indianapolis | | that are available to them; ones that | | period less than its normal term. |
| Reno | | could afford them significant savings | | |
| Roanoke | | on their auto insurance. | | Substandard Risk: A risk not |
| Silver Spring | | | | measuring up to underwriting |
| Naples | | We offer quotes for auto insurance, | | standards. It may still be written but |
| Florissant | | life insurance, homeowners | | usually at a surcharged premium. |
| Lakewood | | insurance, health insurance, term life | | |
| Phoenix | | insurance and more. | | Premium Receipt: The receipt given |
| Manchester | | | | a policy owner for the payment of a |
| Bronx | | If you decide to cancel your policy | | premium. |
| Syracuse | | (after acquiring new coverage) | | |
| Wichita | | outside of the 30-day period, you may | | Agency: An insurance sales office |
| Kansas City | | have to pay a fee or penalty. | | which is directed by a agent, |
| Hartford | | However, you may still save money | | manager, independent agent, or |
| Roanoke | | after paying the fee if your new policy | | company manager. |
| Newburgh | | affords you significant savings. So | | |
| Dearborn | | while it is best to wait until your | | Inspection: Independent checking on |
| Morristown | | receive your renewal notice, you CAN | | facts about an applicant, |
| Wichita Falls | | cancel your policy at any time. | | policyholder, or claimant, usually by a |
| Athens | | | | commercial inspection agency. |
