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| Fredericksburg | | If you decide to cancel your policy | | Paid-In Surplus: Surplus paid in by |
| Edison | | (after acquiring new coverage) | | stockholders, as contrasted with |
| Omaha | | outside of the 30-day period, you may | | surplus earned through the |
| Rome | | have to pay a fee or penalty. | | operations of a business. |
| Tampa | | However, you may still save money | | |
| Fort Myers | | after paying the fee if your new policy | | Earned Income: The money |
| Riverside | | affords you significant savings. So | | individuals earn as a result of working |
| Kansas City | | while it is best to wait until your | | at some job or occupation for which |
| Williamsburg | | receive your renewal notice, you CAN | | they are paid a salary. |
| Plano | | cancel your policy at any time. | | |
| Overland Park | | | | Deductible: The portion of an insured |
| Shreveport | | The best time to switch policies is | | loss to be borne by the insured |
| Asheville | | within one month of receiving your | | before he is entitled to recovery from |
| Omaha | | policy renewal from your current | | the insurer. |
| Quincy | | insurer. You can typically cancel your | | |
| Norfolk | | policy without any fees or penalties if | | Preferred Risk: Any risk considered |
| Tampa | | you act within this time period. | | to be better than the standard risk on |
| Reno | | | | which the premium rate was |
| Cranston | | The quickest and easiest way to | | calculated. |
| Vero Beach | | shop for new insurance is by | | |
| San Bernardino | | comparing rates at InsWebs online | | First Party Insurance: Insurance which |
| Cleveland | | marketplace. If you do it the | | applies to coverage for the insured's |
| Baton Rouge | | old-fashioned way (by calling or | | own property or person. Contrast with |
| Cleveland | | visiting multiple agents or insurance | | Third Party Insurance. |
| Conroe | | companies) it could take up a huge | | |
| Jonesboro | | chunk of your time, which no one | | License: A certification of authority for |
| Saginaw | | wants or needs. By completing | | an agent or insurer to operate, given |
| Oakland | | InsWebs online application, you will | | by the appropriate jurisdiction. |
| West Chester | | have rates to compare to your old | | |
| Canton | | ones within minutes! | | Tickler: A reminder system used to |
| Palo Alto | | | | call an individual's attention to actions |
| Silver Spring | | If you have noticed that your auto | | that must be taken at a future point in |
| Long Island City | | insurance rates are still increasing | | time. |
| Cedar Rapids | | with each renewal, or even have not | | |
| Hollywood | | gone down even though you have a | | |
| San Bernardino | | great driving record, this lower pricing | | |
| Tulsa | | trend makes it more important then | | |
| White Plains | | ever that you shop around for auto | | |
| Quincy | | insurance. | | |
