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| Turlock | | If you have noticed that your auto | | Gross Line: The total limit accepted |
| Elkhart | | insurance rates are still increasing | | by an insurer on an individual risk, |
| Denton | | with each renewal, or even have not | | including the amount to be reinsured. |
| Killeen | | gone down even though you have a | | |
| Lansing | | great driving record, this lower pricing | | Insurance Policy: The printed form |
| Jonesboro | | trend makes it more important then | | which serves as the contract between |
| West Palm Beach | | ever that you shop around for auto | | an insurer and an insured. |
| Spartanburg | | insurance. | | |
| Texarkana | | | | Commingling: An illegal practice |
| Jackson | | Make sure you have a new policy in | | which occurs when an agent mixes |
| Syracuse | | place before you cancel your old one | | personal funds with the insured's or |
| White Plains | | to avoid a lapse in coverage. This will | | insurer's funds. |
| Charlotte | | also prevent having to figure out the | | |
| Santa Clara | | amount of any unused premium that is | | Tabular Plan: A retrospective rating |
| San Bernardino | | due to you from your old insurance | | plan, which uses tables to furnish the |
| Poughkeepsie | | company, or having to spar with your | | various values for the rating formula. |
| Sumter | | agent about exactly when your policy | | |
| Spring Hill | | was cancelled and how much they | | Mutualization: The process of |
| Santa Ana | | owe you. | | converting a stock insurer to a mutual |
| Lawton | | | | insurer, accomplished by having the |
| Pittsburgh | | Healthy people have the best | | insurer buy stock and retire it. |
| Kingsport | | mortality risks and thus are much | | |
| High Point | | cheaper for companies to insure. This | | Deficit Carried Forward: The transfer |
| Fullerton | | translates into lower rates for the | | of a debit balance from one |
| Arlington | | Super Preferred customer than | | accounting period to another. |
| Hattiesburg | | someone with higher risk factors such | | |
| Pasadena | | as a heart condition, cancer or | | Professional Insurance Agents |
| Salt Lake City | | diabetes. Conversely, if you were | | Association: A trade association of |
| Gaithersburg | | unhealthy when you acquired your | | mutual insurance agents. |
| Monroe | | policy, and your health has now | | |
| San Jose | | improved, it might be time to shop for | | Effective Date: The date on which the |
| Hattiesburg | | a new policy, as your rates are likely | | protection of an insurance policy or |
| Abilene | | to be lower. | | bond goes into effect. |
