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| Akron | | Shopping around is the best way to | | Independent Contractor: One who |
| Greensboro | | save money on your insurance. | | agrees to perform according to a |
| Amarillo | | | | contract and who is not an employee. |
| Monroe | | If you decide to cancel your policy | | |
| Dayton | | (after acquiring new coverage) | | Underwriters Laboratories, Inc. (UL): A |
| Joliet | | outside of the 30-day period, you may | | testing laboratory for manufactured |
| Saginaw | | have to pay a fee or penalty. | | items to determine their safety |
| Billings | | However, you may still save money | | propensities. |
| San Bernardino | | after paying the fee if your new policy | | |
| Little Rock | | affords you significant savings. So | | Mutualization: The process of |
| Downey | | while it is best to wait until your | | converting a stock insurer to a mutual |
| Valdosta | | receive your renewal notice, you CAN | | insurer, accomplished by having the |
| Quincy | | cancel your policy at any time. | | insurer buy stock and retire it. |