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| Riverside | | If you decide to cancel your policy | | Index Bureau Experience: A measure |
| Scottsdale | | (after acquiring new coverage) | | of losses relating to claims reported |
| Columbus | | outside of the 30-day period, you may | | through a claim office during a |
| Amarillo | | have to pay a fee or penalty. | | 12-month period. |
| Salem | | However, you may still save money | | |
| Rockford | | after paying the fee if your new policy | | Short Rate Premium: The premium |
| Eugene | | affords you significant savings. So | | required for issuing a policy for a |
| Buffalo | | while it is best to wait until your | | period less than its normal term. |
| Amarillo | | receive your renewal notice, you CAN | | |
| Manchester | | cancel your policy at any time. | | Loss Frequency: The number of times |
| Oakland | | | | a loss occurs over a specific period |
| Athens | | People who are trying to quit | | of time. |
| Orlando | | smoking, for example, might be best | | |
| Englewood | | suited purchasing a shorter term (and | | Captive Agent: One who sells |
| West Palm Beach | | then replacing it with a longer term | | insurance for only one company as |
| Pensacola | | policy when they qualify for | | opposed to an agent who represents |
| Cypress | | non-tobacco prices). | | several companies. |
