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| Fort Myers | | Why not take advantage of current | | National Auto Theft Bureau: An |
| Chula Vista | | low prices? Many auto insurance | | organization engaged in the |
| Newburgh | | consumers are becoming educated | | prevention and reduction of motor |
| Corona | | on other companies, plans, and rates | | vehicle fire and theft losses. |
| Pittsburgh | | that are available to them; ones that | | |
| El Cajon | | could afford them significant savings | | Accident Year Experience: Measures |
| Killeen | | on their auto insurance. | | premiums and losses relating to |
| Dayton | | | | accidents which occurred during a |
| Palo Alto | | The best time to switch policies is | | 12-month period. |
| Columbia | | within one month of receiving your | | |
| Portland | | policy renewal from your current | | Short Rate Premium: The premium |
| Fort Lauderdale | | insurer. You can typically cancel your | | required for issuing a policy for a |
| Dothan | | policy without any fees or penalties if | | period less than its normal term. |
| Augusta | | you act within this time period. | | |
| Cypress | | | | American Risk and Insurance |
| Spartanburg | | If you decide to cancel your policy | | Association: An association of |
| Cambridge | | (after acquiring new coverage) | | insurance educators and others |
| Schaumburg | | outside of the 30-day period, you may | | interested in insurance study and |
| Cypress | | have to pay a fee or penalty. | | research. |
| Daytona Beach | | However, you may still save money | | |
| Long Island City | | after paying the fee if your new policy | | Fiduciary: A person holding the funds |
| Midland | | affords you significant savings. So | | or property of another in a position of |
| Fort Myers | | while it is best to wait until your | | trust. An example would be the |
| Beaumont | | receive your renewal notice, you CAN | | executor of an estate. |
| Baltimore | | cancel your policy at any time. | | |
| Anderson | | | | We/Us/Our: These words are used to |
| Albuquerque | | Healthy people have the best | | refer to the insurer in many of the |
| Wichita | | mortality risks and thus are much | | modernized/personalized policy |
| Riverside | | cheaper for companies to insure. This | | forms recently introduced. |
| Texarkana | | translates into lower rates for the | | |
| Fort Myers | | Super Preferred customer than | | Liquidity: The ability of an insurer to |
| Overland Park | | someone with higher risk factors such | | convert its assets into cash to pay |
| Boise | | as a heart condition, cancer or | | claims if necessary. |
| Pasadena | | diabetes. Conversely, if you were | | |
| Orange Park | | unhealthy when you acquired your | | |
| Stockton | | policy, and your health has now | | |
| San Bernardino | | improved, it might be time to shop for | | |
| Tuscaloosa | | a new policy, as your rates are likely | | |
| Sumter | | to be lower. | | |
