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| Sioux City | | Make sure you have a new policy in | | Tabular Plan: A retrospective rating |
| Albany | | place before you cancel your old one | | plan, which uses tables to furnish the |
| St. Louis | | to avoid a lapse in coverage. This will | | various values for the rating formula. |
| Clinton Township | | also prevent having to figure out the | | |
| Portland | | amount of any unused premium that is | | Paid-In Surplus: Surplus paid in by |
| Buffalo | | due to you from your old insurance | | stockholders, as contrasted with |
| Palm Desert | | company, or having to spar with your | | surplus earned through the |
| Stockton | | agent about exactly when your policy | | operations of a business. |
| Malden | | was cancelled and how much they | | |
| Morristown | | owe you. | | Short Rate Premium: The premium |
| Cambridge | | | | required for issuing a policy for a |
| Gulfport | | At InsWeb, you can compare free | | period less than its normal term. |
| Greeley | | online insurance quotes from many of | | |
| Durham | | the nations leading insurance | | Independent Agent: An agent |
| Lawton | | companies. | | operating as an independent |
| Muskegon | | | | contractor under the independent |
| Dubuque | | The best time to switch policies is | | agency system. |
| Boise | | within one month of receiving your | | |
| Pittsburgh | | policy renewal from your current | | Basic Rate: The manual rate from |
| Los Angeles | | insurer. You can typically cancel your | | which discounts are taken or to which |
| Cape Coral | | policy without any fees or penalties if | | charges are added to reflect the |
| Irving | | you act within this time period. | | individual circumstances of a risk. |
