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| Jackson | | The best time to switch policies is | | Renewal: The reestablishment of the |
| Columbus | | within one month of receiving your | | in-force status of a policy, the term of |
| Longmont | | policy renewal from your current | | which has expired or will expire |
| Orange | | insurer. You can typically cancel your | | unless it is renewed. |
| Metairie | | policy without any fees or penalties if | | |
| Houma | | you act within this time period. | | Federal Deposit Insurance |
| Salem | | | | Corporation (FDIC): An agency of the |
| Irvine | | Individuals who have 30-year | | federal government which insures |
| Irving | | mortgages might want to consider a | | bank deposits up to a stated |
| Knoxville | | 30-year term to ensure that the house | | maximum. |
| Warren | | is protected throughout the period of | | |
| Sumter | | the loan. | | Captive Agent: One who sells |
| Beaumont | | | | insurance for only one company as |
| Newport News | | Why not take advantage of current | | opposed to an agent who represents |
| Sioux Falls | | low prices? Many auto insurance | | several companies. |
| Honolulu | | consumers are becoming educated | | |
| Owensboro | | on other companies, plans, and rates | | Tariff Rate: A rate established by a |
| Billings | | that are available to them; ones that | | rating organization, which comes from |
| Newport News | | could afford them significant savings | | the tables, schedules and rules found |
| San Jose | | on their auto insurance. | | in the tariff of rates. |
