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| Dearborn | | The best time to switch policies is | | Agent's Balance: A periodic |
| Nashua | | within one month of receiving your | | statement of the sums due and owed |
| St. Joseph | | policy renewal from your current | | to an agent under the agent's contract |
| Williamsport | | insurer. You can typically cancel your | | with an insurer. |
| Council Bluffs | | policy without any fees or penalties if | | |
| Jackson | | you act within this time period. | | Independent Agent: An agent |
| Boca Raton | | | | operating as an independent |
| Costa Mesa | | If you have noticed that your auto | | contractor under the independent |
| Peoria | | insurance rates are still increasing | | agency system. |
| Lansing | | with each renewal, or even have not | | |
| Yonkers | | gone down even though you have a | | Absolute Assignment: Assignment by |
| Toms River | | great driving record, this lower pricing | | a policy owner of all control of and |
| Corona | | trend makes it more important then | | rights in the policy to a third party. |
| Portland | | ever that you shop around for auto | | |
| Decatur | | insurance. | | Gross Line: The total limit accepted |
| Green Bay | | | | by an insurer on an individual risk, |
| Hampton | | At InsWeb, you can compare free | | including the amount to be reinsured. |
| Pittsburgh | | online insurance quotes from many of | | |
| Mobile | | the nations leading insurance | | Commercial Lines: This term is used |
| Jacksonville | | companies. | | to refer to insurance for businesses, |
| Saginaw | | | | professionals, and commercial |
| Downey | | Everyone has different needs, and | | establishments. |
| Orange | | not one size fits all when it comes to | | |
| Fort Myers | | term life insurance. While it may make | | First Party Insurance: Insurance which |
| Anderson | | sense for people in their 30s and 40s | | applies to coverage for the insured's |
| Las Cruces | | to secure a 20-year term length, a | | own property or person. Contrast with |
| Fredericksburg | | 10-year term might be more | | Third Party Insurance. |
| Bloomington | | appropriate for someone nearing | | |
| Greensboro | | retirement. | | Agency: An insurance sales office |
| Florissant | | | | which is directed by a agent, |
| Palm Desert | | People who are trying to quit | | manager, independent agent, or |
| Mesquite | | smoking, for example, might be best | | company manager. |
| Goldsboro | | suited purchasing a shorter term (and | | |
| Irving | | then replacing it with a longer term | | Renewal: The reestablishment of the |
| Allentown | | policy when they qualify for | | in-force status of a policy, the term of |
| Fort Lauderdale | | non-tobacco prices). | | which has expired or will expire |
| Greenville | | | | unless it is renewed. |
