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| Rapid City | | The best time to switch policies is | | License: A certification of authority for |
| Hattiesburg | | within one month of receiving your | | an agent or insurer to operate, given |
| Kingsport | | policy renewal from your current | | by the appropriate jurisdiction. |
| Rockford | | insurer. You can typically cancel your | | |
| Westbury | | policy without any fees or penalties if | | Borderline Risk: An insurance |
| Sioux City | | you act within this time period. | | prospect of doubtful quality from an |
| Orange Park | | | | underwriting point of view. |
| Peoria | | The quickest and easiest way to | | |
| Corona | | shop for new insurance is by | | Minimum Premium: The smallest |
| Gainesville | | comparing rates at InsWebs online | | amount of premium for which an |
| Fresno | | marketplace. If you do it the | | insurer will issue coverage under a |
| Midland | | old-fashioned way (by calling or | | given policy. |
| High Point | | visiting multiple agents or insurance | | |
| New Port Richey | | companies) it could take up a huge | | Losses Outstanding: A summary |
| Athens | | chunk of your time, which no one | | statement prepared by Property, Life, |
| Venice | | wants or needs. By completing | | and Liability insurers showing claims |
| New Orleans | | InsWebs online application, you will | | not yet settled. |
| Tacoma | | have rates to compare to your old | | |
| Tulsa | | ones within minutes! | | Agency: An insurance sales office |
| Hemet | | | | which is directed by a agent, |
| Johnson City | | Make sure you have a new policy in | | manager, independent agent, or |
| Columbia | | place before you cancel your old one | | company manager. |
| Lima | | to avoid a lapse in coverage. This will | | |
| Goldsboro | | also prevent having to figure out the | | Flat Cancellation: A policy which is |
| Athens | | amount of any unused premium that is | | cancelled upon its effective date. |
| Lafayette | | due to you from your old insurance | | Usually under a flat cancellation no |
| Venice | | company, or having to spar with your | | premium charge is made. |
| Richmond | | agent about exactly when your policy | | |
| Silver Spring | | was cancelled and how much they | | New For Old: Replacing old |
| Alameda | | owe you. | | damaged parts or equipment with |
| Lakewood | | | | new ones rather than repairing them. |
| Lawrenceville | | Everyone has different needs, and | | |
| Sterling Heights | | not one size fits all when it comes to | | Deductible: The portion of an insured |
| Oxnard | | term life insurance. While it may make | | loss to be borne by the insured |
| Shreveport | | sense for people in their 30s and 40s | | before he is entitled to recovery from |
| Houma | | to secure a 20-year term length, a | | the insurer. |
| Spring Hill | | 10-year term might be more | | |
| Worcester | | appropriate for someone nearing | | |
| Costa Mesa | | retirement. | | |
