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| Westbury | | Why not take advantage of current | | Exclusion: A contractual provision that |
| Augusta | | low prices? Many auto insurance | | denies coverage for certain perils, |
| Sarasota | | consumers are becoming educated | | persons, property, or locations. |
| Stamford | | on other companies, plans, and rates | | |
| Canton | | that are available to them; ones that | | Independent Agent: An agent |
| Schaumburg | | could afford them significant savings | | operating as an independent |
| Elkhart | | on their auto insurance. | | contractor under the independent |
| Cambridge | | | | agency system. |
| Phoenix | | Shopping around is the best way to | | |
| Huntington Beach | | save money on your insurance. | | Loss Adjustment Expense: The cost |
| Rapid City | | | | of adjusting losses, excluding the |
| Brooklyn | | The best time to switch policies is | | amount of the loss itself. |
| Morristown | | within one month of receiving your | | |
| Ann Arbor | | policy renewal from your current | | Line of Business: The classification of |
| Charleston | | insurer. You can typically cancel your | | business as utilized in the insurance |
| Atlanta | | policy without any fees or penalties if | | industry, e.g., Fire, Allied Lines and |
| Chattanooga | | you act within this time period. | | Homeowners. |
