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| Youngstown | | Make sure you have a new policy in | | Indemnify: To restore the victim of a |
| Saginaw | | place before you cancel your old one | | loss to the same position as before |
| Rockford | | to avoid a lapse in coverage. This will | | the loss occurred. |
| Coral Springs | | also prevent having to figure out the | | |
| Tacoma | | amount of any unused premium that is | | Underwriters Laboratories, Inc. (UL): A |
| Lake Worth | | due to you from your old insurance | | testing laboratory for manufactured |
| Malden | | company, or having to spar with your | | items to determine their safety |
| Elkhart | | agent about exactly when your policy | | propensities. |
| Lake Worth | | was cancelled and how much they | | |
| Louisville | | owe you. | | Brokerage Department: A department |
| Morristown | | | | of an insurer whose purpose is to |
| Vineland | | Life insurance, specifically Term Life, | | deal with brokers in the placing of |
| Knoxville | | is arguably one of the best values in | | insurance. |
| Sunnyvale | | the entire financial services arena. | | |
| Frederick | | Where else can you go and get | | Tabular Plan: A retrospective rating |
| Greensboro | | hundreds of thousands of dollars in | | plan, which uses tables to furnish the |
| Lima | | protection for literally pennies per | | various values for the rating formula. |
| Washington | | day? Rates for Term Life insurance | | |
| Metairie | | remain at all-time lows, and now is the | | Operating Expense: The expense of |
| Trenton | | time to lock in the best prices. | | an insurer other than commissions |
| San Bernardino | | | | and taxes. Called " and Insurance |
| Beaumont | | If you decide to cancel your policy | | Expense" in the convention statement |
| Quincy | | (after acquiring new coverage) | | blank. |
| Delray Beach | | outside of the 30-day period, you may | | |
| Albany | | have to pay a fee or penalty. | | Initial Premium: An amount paid at the |
| Lakeland | | However, you may still save money | | inception of an insurance contract, |
| Tuscaloosa | | after paying the fee if your new policy | | usually subject to adjustment at the |
| Long Island City | | affords you significant savings. So | | end of the policy period. |
| Winter Haven | | while it is best to wait until your | | |
| Hattiesburg | | receive your renewal notice, you CAN | | Collusion: An agreement, usually |
| Melbourne | | cancel your policy at any time. | | secret, between two or more persons |
| Lawton | | | | to defraud or deprive another or |
| Buffalo | | If you have noticed that your auto | | others of their property or rights. |
| Irvine | | insurance rates are still increasing | | |
| Lafayette | | with each renewal, or even have not | | |
| Harrisburg | | gone down even though you have a | | |
| Jersey City | | great driving record, this lower pricing | | |
| Savannah | | trend makes it more important then | | |
| Florence | | ever that you shop around for auto | | |
| Denton | | insurance. | | |
