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| Macon | | Make sure you have a new policy in | | Agency Contract (or Agreement): The |
| St. Joseph | | place before you cancel your old one | | document which establishes the legal |
| Palo Alto | | to avoid a lapse in coverage. This will | | relationship between an agent and an |
| Fort Wayne | | also prevent having to figure out the | | insurer. |
| Indianapolis | | amount of any unused premium that is | | |
| Acworth | | due to you from your old insurance | | Malicious Mischief: Similar to |
| Wilmington | | company, or having to spar with your | | vandalism. Purposely damaging the |
| St. Paul | | agent about exactly when your policy | | rights or property of another. |
| New York | | was cancelled and how much they | | |
| Melbourne | | owe you. | | Criticism: A correction suggested by a |
| Glendale | | | | rating or auditing bureau to an insurer. |
| Huntington Beach | | If you decide to cancel your policy | | |
| Seattle | | (after acquiring new coverage) | | Short Rate Premium: The premium |
| Florissant | | outside of the 30-day period, you may | | required for issuing a policy for a |
| Panama City | | have to pay a fee or penalty. | | period less than its normal term. |
| Muncie | | However, you may still save money | | |
| Little Rock | | after paying the fee if your new policy | | Domestic Insurer (or Company): An |
| Philadelphia | | affords you significant savings. So | | insurer formed under the laws of the |
| Allentown | | while it is best to wait until your | | state in which the insurance is written. |
| Wilmington | | receive your renewal notice, you CAN | | |
| Lawton | | cancel your policy at any time. | | Tabular Plan: A retrospective rating |
| Edison | | | | plan, which uses tables to furnish the |
| Lima | | The quickest and easiest way to | | various values for the rating formula. |
| Mountain View | | shop for new insurance is by | | |
| Waterloo | | comparing rates at InsWebs online | | Foreign Insurer: An insurer domiciled |
| Las Vegas | | marketplace. If you do it the | | in a state of the United States other |
| Nashville | | old-fashioned way (by calling or | | than the one in which the insured's |
| San Diego | | visiting multiple agents or insurance | | insurance is written. |
| Lawrenceville | | companies) it could take up a huge | | |
| Wilmington | | chunk of your time, which no one | | Approved: The condition which exists |
| Sioux City | | wants or needs. By completing | | when the person or object to be |
| Corona | | InsWebs online application, you will | | insured meets the underwriting |
| Lansing | | have rates to compare to your old | | standards of the insurer. |
| Sumter | | ones within minutes! | | |
