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| Staten Island | | The quickest and easiest way to | | Adjustment Bureau: A firm organized |
| Irving | | shop for new insurance is by | | to provide adjustment services to |
| Las Cruces | | comparing rates at InsWebs online | | insurers not wishing to create their |
| Costa Mesa | | marketplace. If you do it the | | own claims division. |
| Lowell | | old-fashioned way (by calling or | | |
| Vancouver | | visiting multiple agents or insurance | | Liabilities: Money owed or expected |
| Hampton | | companies) it could take up a huge | | to be owed. Insurance company |
| Cambridge | | chunk of your time, which no one | | financial statements, for instance, |
| Mesa | | wants or needs. By completing | | show assets and liabilities. |
| Columbia | | InsWebs online application, you will | | |
| Winter Park | | have rates to compare to your old | | Buy-Back" Deductible: A deductible |
| Kalamazoo | | ones within minutes! | | which may be eliminated for an |
| Albany | | | | additional premium in order to |
| Metairie | | Make sure you have a new policy in | | provide "first-dollar" coverage. |
| Hendersonville | | place before you cancel your old one | | |
| Little Rock | | to avoid a lapse in coverage. This will | | Director of Insurance: A title used in |
| Frederick | | also prevent having to figure out the | | some states for the head of the |
| Austin | | amount of any unused premium that is | | department of insurance. |
| Mountain View | | due to you from your old insurance | | |
| Pompano Beach | | company, or having to spar with your | | Nonadmitted Insurer: An insurer not |
| Costa Mesa | | agent about exactly when your policy | | licensed to do business in the |
| Huntington Beach | | was cancelled and how much they | | jurisdiction in question. Same as |
| Kingsport | | owe you. | | Unauthorized Insurer and Unlicensed |
| Abilene | | | | Insurer. |
| Texarkana | | If you decide to cancel your policy | | |
| Reading | | (after acquiring new coverage) | | Independent Contractor: One who |
| Owensboro | | outside of the 30-day period, you may | | agrees to perform according to a |
| St. Joseph | | have to pay a fee or penalty. | | contract and who is not an employee. |
| Evansville | | However, you may still save money | | |
| Gaithersburg | | after paying the fee if your new policy | | Tickler: A reminder system used to |
| Spokane | | affords you significant savings. So | | call an individual's attention to actions |
| Bradenton | | while it is best to wait until your | | that must be taken at a future point in |
| Vero Beach | | receive your renewal notice, you CAN | | time. |
| Elkhart | | cancel your policy at any time. | | |
