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| Owensboro | | If you decide to cancel your policy | | Adjustment Bureau: A firm organized |
| Tallahassee | | (after acquiring new coverage) | | to provide adjustment services to |
| Modesto | | outside of the 30-day period, you may | | insurers not wishing to create their |
| Greeley | | have to pay a fee or penalty. | | own claims division. |
| Billings | | However, you may still save money | | |
| Cleveland | | after paying the fee if your new policy | | Commercial Lines: This term is used |
| Sioux City | | affords you significant savings. So | | to refer to insurance for businesses, |
| Gainesville | | while it is best to wait until your | | professionals, and commercial |
| Irving | | receive your renewal notice, you CAN | | establishments. |
| Lawrenceville | | cancel your policy at any time. | | |
| Stockton | | | | Index Bureau Experience: A measure |
| Lake Worth | | Individuals who have 30-year | | of losses relating to claims reported |
| Salem | | mortgages might want to consider a | | through a claim office during a |
| Toledo | | 30-year term to ensure that the house | | 12-month period. |
| Manchester | | is protected throughout the period of | | |
| Columbus | | the loan. | | Earned Income: The money |
| Santa Rosa | | | | individuals earn as a result of working |
| El Paso | | While some companies raise their | | at some job or occupation for which |
| Orange Park | | prices based on your actual age, | | they are paid a salary. |
| Santa Ana | | most companies increase the price of | | |
| Ann Arbor | | their policies six months before your | | Agent's License: A certificate of |
| Sumter | | birthday. Its a term called Age | | authority from the state which permits |
| Washington | | Nearest in the industry, and that | | the agent to conduct business. |
| Bloomington | | half-year price increase could really | | |
| North Hollywood | | add up over a 20-year term policy. As | | Inspection: Independent checking on |
| Marietta | | above, the quicker you purchase your | | facts about an applicant, |
| Ogden | | policy the better. | | policyholder, or claimant, usually by a |
| Flint | | | | commercial inspection agency. |
| Hickory | | Shopping around is the best way to | | |
| Memphis | | save money on your insurance. | | Expense Allowance: A compensation |
| Morristown | | | | paid to an insurance agent in excess |
| Englewood | | Make sure you have a new policy in | | of prescribed commissions. |
| Council Bluffs | | place before you cancel your old one | | |
| Springfield | | to avoid a lapse in coverage. This will | | Commingling: An illegal practice |
| Hampton | | also prevent having to figure out the | | which occurs when an agent mixes |
| Montgomery | | amount of any unused premium that is | | personal funds with the insured's or |
| Denton | | due to you from your old insurance | | insurer's funds. |
| Henderson | | company, or having to spar with your | | |
| Lafayette | | agent about exactly when your policy | | |
| High Point | | was cancelled and how much they | | |
| West Chester | | owe you. | | |