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| Greeley | | Make sure you have a new policy in | | Partial Loss: A loss covered by an |
| Texarkana | | place before you cancel your old one | | insurance policy which does not |
| Akron | | to avoid a lapse in coverage. This will | | completely destroy or render |
| Alameda | | also prevent having to figure out the | | worthless the insured property. |
| Davenport | | amount of any unused premium that is | | |
| Zanesville | | due to you from your old insurance | | Replacement: A new policy written to |
| Hampton | | company, or having to spar with your | | take the place of one currently in force. |
| Cleveland | | agent about exactly when your policy | | |
| Racine | | was cancelled and how much they | | Lapsed Policy: One which has been |
| West Palm Beach | | owe you. | | allowed to expire because of |
| New Port Richey | | | | nonpayment of premiums. |
| Hattiesburg | | The best time to switch policies is | | |
| Morristown | | within one month of receiving your | | Director of Insurance: A title used in |
| Zanesville | | policy renewal from your current | | some states for the head of the |
| Minneapolis | | insurer. You can typically cancel your | | department of insurance. |
| Hot Springs | | policy without any fees or penalties if | | |
| Lake Worth | | you act within this time period. | | Other Insurance: The existence of |
| Englewood | | | | other contracts covering the same |
| White Plains | | People who are trying to quit | | interest and perils. |
| New Port Richey | | smoking, for example, might be best | | |
| Burbank | | suited purchasing a shorter term (and | | Gross Line: The total limit accepted |
| Yuma | | then replacing it with a longer term | | by an insurer on an individual risk, |
| Edmond | | policy when they qualify for | | including the amount to be reinsured. |
| Greeley | | non-tobacco prices). | | |
| Conroe | | | | Professional Insurance Agents |
| Lowell | | The quickest and easiest way to | | Association: A trade association of |
| Rochester | | shop for new insurance is by | | mutual insurance agents. |
| Chula Vista | | comparing rates at InsWebs online | | |
| Plano | | marketplace. If you do it the | | Policy Period (or Term): The period |
| Littleton | | old-fashioned way (by calling or | | during which the policy contract |
| Edison | | visiting multiple agents or insurance | | affords protection, e.g., six months or |
| Fremont | | companies) it could take up a huge | | one or three years. |
| West Palm Beach | | chunk of your time, which no one | | |
| Waterloo | | wants or needs. By completing | | Deflation: An economic period |
| Eugene | | InsWebs online application, you will | | characterized by falling prices, high |
| Toms River | | have rates to compare to your old | | unemployment and a generally |
| Bronx | | ones within minutes! | | sluggish or slow economy. |
