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| Palo Alto | | Why not take advantage of current | | Liabilities: Money owed or expected |
| Fayetteville | | low prices? Many auto insurance | | to be owed. Insurance company |
| Mansfield | | consumers are becoming educated | | financial statements, for instance, |
| San Bernardino | | on other companies, plans, and rates | | show assets and liabilities. |
| Billings | | that are available to them; ones that | | |
| Kansas City | | could afford them significant savings | | Building Code: This refers to |
| Bakersfield | | on their auto insurance. | | municipal or other governmental |
| Muncie | | | | ordinances regulating the type of |
| Ann Arbor | | Make sure you have a new policy in | | construction of buildings within its |
| Evanston | | place before you cancel your old one | | jurisdiction. |
| Houston | | to avoid a lapse in coverage. This will | | |
| Jasper | | also prevent having to figure out the | | Calendar Year Experience: This |
| Buffalo | | amount of any unused premium that is | | measures the premiums and losses |
| Wilmington | | due to you from your old insurance | | entered on accounting records during |
| Fredericksburg | | company, or having to spar with your | | the 12-month calendar. |
| Winter Park | | agent about exactly when your policy | | |
| Las Cruces | | was cancelled and how much they | | Notice To Company: Written notice to |
| Goldsboro | | owe you. | | an insurer of the occurrence of an |
| Venice | | | | event which a claim is to be based. |
| Owensboro | | Shopping around is the best way to | | |
| El Cajon | | save money on your insurance. | | Professional Insurance Agents |
| Jersey City | | | | Association: A trade association of |
| Clinton Township | | The best time to switch policies is | | mutual insurance agents. |
| Raleigh | | within one month of receiving your | | |
| Memphis | | policy renewal from your current | | Agent's Qualification Law: Education, |
| Mesa | | insurer. You can typically cancel your | | experience, and other requirements |
| Gainesville | | policy without any fees or penalties if | | imposed by the state upon persons |
| Columbia | | you act within this time period. | | desiring to be licensed as agents. |