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| Johnson City | | Individuals who have 30-year | | Exclusions: Specific situations, |
| Spokane | | mortgages might want to consider a | | conditions, or circumstances that are |
| Clearwater | | 30-year term to ensure that the house | | listed in the contract as being not |
| Gainesville | | is protected throughout the period of | | covered. |
| Portland | | the loan. | | |
| Clarksville | | | | License: A certification of authority for |
| Beaumont | | Why not take advantage of current | | an agent or insurer to operate, given |
| Bayside | | low prices? Many auto insurance | | by the appropriate jurisdiction. |
| Muskegon | | consumers are becoming educated | | |
| Pompano Beach | | on other companies, plans, and rates | | Short Rate Premium: The premium |
| Hemet | | that are available to them; ones that | | required for issuing a policy for a |
| Melbourne | | could afford them significant savings | | period less than its normal term. |
| High Point | | on their auto insurance. | | |
| Tampa | | | | Claim: A demand made by the |
| Chicago | | Make sure you have a new policy in | | insured, or the insured's beneficiary, |
| Fairfax | | place before you cancel your old one | | for payment of the benefits provided |
| Albuquerque | | to avoid a lapse in coverage. This will | | by the contract. |
| Tampa | | also prevent having to figure out the | | |
| Midland | | amount of any unused premium that is | | National Auto Theft Bureau: An |
| Augusta | | due to you from your old insurance | | organization engaged in the |
| Minneapolis | | company, or having to spar with your | | prevention and reduction of motor |
| Pasadena | | agent about exactly when your policy | | vehicle fire and theft losses. |
| Bakersfield | | was cancelled and how much they | | |
| Shreveport | | owe you. | | Deficit Carried Forward: The transfer |
| Boca Raton | | | | of a debit balance from one |
| Myrtle Beach | | If you decide to cancel your policy | | accounting period to another. |
| San Jose | | (after acquiring new coverage) | | |
| Jackson | | outside of the 30-day period, you may | | Partial Loss: A loss covered by an |
| Ogden | | have to pay a fee or penalty. | | insurance policy which does not |
| Springfield | | However, you may still save money | | completely destroy or render |
| Palm Harbor | | after paying the fee if your new policy | | worthless the insured property. |
| Worcester | | affords you significant savings. So | | |
| Westbury | | while it is best to wait until your | | Examiner: An employee assigned by |
| Goldsboro | | receive your renewal notice, you CAN | | the state insurance department to |
| Venice | | cancel your policy at any time. | | audit insurers' records. |
