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| Buffalo | | If you decide to cancel your policy | | Fictitious Groups: Groups formed |
| North Hollywood | | (after acquiring new coverage) | | primarily for the purpose of buying |
| Buffalo | | outside of the 30-day period, you may | | insurance. Under the law such groups |
| Glendale | | have to pay a fee or penalty. | | may not be underwritten. |
| Edmond | | However, you may still save money | | |
| Chattanooga | | after paying the fee if your new policy | | Independent Agent: An agent |
| West Chester | | affords you significant savings. So | | operating as an independent |
| Duluth | | while it is best to wait until your | | contractor under the independent |
| Cleveland | | receive your renewal notice, you CAN | | agency system. |
| Lake Worth | | cancel your policy at any time. | | |
| San Bernardino | | | | Deflation: An economic period |
| Saginaw | | Shopping around is the best way to | | characterized by falling prices, high |
| Tucson | | save money on your insurance. | | unemployment and a generally |
| Frederick | | | | sluggish or slow economy. |
| Henderson | | While some companies raise their | | |
| Chesapeake | | prices based on your actual age, | | Retail Credit Company: The former |
| Columbus | | most companies increase the price of | | name of Equifax, a credit reporting |
| Torrance | | their policies six months before your | | organization. See Equifax. |
| Biloxi | | birthday. Its a term called Age | | |
| Trenton | | Nearest in the industry, and that | | Society of Insurance Research: An |
| Pompano Beach | | half-year price increase could really | | organization which encourages |
| Chicago | | add up over a 20-year term policy. As | | insurance research and promotes the |
| Mobile | | above, the quicker you purchase your | | exchange of ideas and methods of |
| Chula Vista | | policy the better. | | research. |
