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| Johnson City | | We offer quotes for auto insurance, | | Brokerage Department: A department |
| Hickory | | life insurance, homeowners | | of an insurer whose purpose is to |
| Jacksonville | | insurance, health insurance, term life | | deal with brokers in the placing of |
| Toms River | | insurance and more. | | insurance. |
| San Francisco | | | | |
| Hendersonville | | Why not take advantage of current | | Calendar Year Experience: This |
| Cranston | | low prices? Many auto insurance | | measures the premiums and losses |
| Olympia | | consumers are becoming educated | | entered on accounting records during |
| Madison | | on other companies, plans, and rates | | the 12-month calendar. |
| Long Beach | | that are available to them; ones that | | |
| Tempe | | could afford them significant savings | | Broker-Agent: One acting as an agent |
| Kingsport | | on their auto insurance. | | of one or more insurers and as a |
| Jonesboro | | | | broker in dealing with one or more |
| Harlingen | | Make sure you have a new policy in | | other insurers. |
| Downey | | place before you cancel your old one | | |
| Muskegon | | to avoid a lapse in coverage. This will | | Countersignature: The signature of a |
| Mansfield | | also prevent having to figure out the | | licensed agent or representative on a |
| Billings | | amount of any unused premium that is | | policy. |
| Longmont | | due to you from your old insurance | | |
| Lorain | | company, or having to spar with your | | Provisions: Statements contained in |
| Conroe | | agent about exactly when your policy | | an insurance policy which explain the |
| Independence | | was cancelled and how much they | | benefits, conditions and other |
| Lima | | owe you. | | features of the insurance contract. |
