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| Turlock | | If you have noticed that your auto | | Time Limits: The limits of time within |
| Overland Park | | insurance rates are still increasing | | which notice of a claim and proof of a |
| Boise | | with each renewal, or even have not | | loss must be submitted. |
| Lorain | | gone down even though you have a | | |
| Peoria | | great driving record, this lower pricing | | Convention Values: Values assigned |
| Thousand Oaks | | trend makes it more important then | | to insurers' assets in the convention |
| Fort Collins | | ever that you shop around for auto | | blank. |
| Fullerton | | insurance. | | |
| Poughkeepsie | | | | Deductible: The portion of an insured |
| Florissant | | Healthy people have the best | | loss to be borne by the insured |
| Anaheim | | mortality risks and thus are much | | before he is entitled to recovery from |
| Rockville | | cheaper for companies to insure. This | | the insurer. |
| Pasadena | | translates into lower rates for the | | |
| Costa Mesa | | Super Preferred customer than | | Leasehold: An agreement which |
| Orlando | | someone with higher risk factors such | | gives a person the right to use and |
| Durham | | as a heart condition, cancer or | | occupy property. |
| Lansing | | diabetes. Conversely, if you were | | |
| Lowell | | unhealthy when you acquired your | | Commingling: An illegal practice |
| Longmont | | policy, and your health has now | | which occurs when an agent mixes |
| Tallahassee | | improved, it might be time to shop for | | personal funds with the insured's or |
| Stamford | | a new policy, as your rates are likely | | insurer's funds. |
| Alameda | | to be lower. | | |
| Evansville | | | | Sole Proprietorship: A business |
| Redlands | | People who are trying to quit | | enterprise owned by one person who |
| Vineland | | smoking, for example, might be best | | is its manager and employee. |
| Detroit | | suited purchasing a shorter term (and | | |
| Independence | | then replacing it with a longer term | | Overlapping Insurance: Coverage |
| Fort Myers | | policy when they qualify for | | from two or more policies or insurers |
| Norwalk | | non-tobacco prices). | | which duplicates coverage of certain |
| Burbank | | | | risks. |
| Santa Clara | | If you decide to cancel your policy | | |
| Fort Lauderdale | | (after acquiring new coverage) | | Substandard Risk: A risk not |
| Lafayette | | outside of the 30-day period, you may | | measuring up to underwriting |
| Mansfield | | have to pay a fee or penalty. | | standards. It may still be written but |
| Ocala | | However, you may still save money | | usually at a surcharged premium. |
| Colorado Springs | | after paying the fee if your new policy | | |
| Garland | | affords you significant savings. So | | |
| Costa Mesa | | while it is best to wait until your | | |
| Toms River | | receive your renewal notice, you CAN | | |
| Houston | | cancel your policy at any time. | | |
