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| Alexandria | | We offer quotes for auto insurance, | | FICA. Federal Insurance Contributions |
| Billings | | life insurance, homeowners | | Act: A law imposing a payroll tax to |
| Philadelphia | | insurance, health insurance, term life | | assist in funding Social Security |
| Augusta | | insurance and more. | | benefits. |
| Orlando | | | | |
| Minneapolis | | Healthy people have the best | | Substandard Risk: A risk not |
| Arlington | | mortality risks and thus are much | | measuring up to underwriting |
| Florence | | cheaper for companies to insure. This | | standards. It may still be written but |
| Stamford | | translates into lower rates for the | | usually at a surcharged premium. |
| Pembroke Pines | | Super Preferred customer than | | |
| Bloomington | | someone with higher risk factors such | | Premium: The price of insurance |
| Cherry Hill | | as a heart condition, cancer or | | protection for a specified risk for a |
| Grand Rapids | | diabetes. Conversely, if you were | | specified period of time. |
| Mansfield | | unhealthy when you acquired your | | |
| Williamsport | | policy, and your health has now | | Independent Contractor: One who |
| Jasper | | improved, it might be time to shop for | | agrees to perform according to a |
| South Bend | | a new policy, as your rates are likely | | contract and who is not an employee. |
| Mobile | | to be lower. | | |
| Chula Vista | | | | Public Adjuster: An insurance adjuster |
| Poughkeepsie | | While some companies raise their | | who represents an insured on a fee |
| Fort Lauderdale | | prices based on your actual age, | | basis in claims settlement. Contrast |
| Shreveport | | most companies increase the price of | | with Independent Adjuster. |
| Asheville | | their policies six months before your | | |
| Scottsdale | | birthday. Its a term called Age | | Producer: A term applied to an agent, |
| Redlands | | Nearest in the industry, and that | | solicitor or other person who sells |
| Wichita | | half-year price increase could really | | insurance. |
| Little Rock | | add up over a 20-year term policy. As | | |
| Charleston | | above, the quicker you purchase your | | Insolvent Insurer: An insurer which is |
| Columbus | | policy the better. | | unable to meet its financial |
| Longwood | | | | obligations. |
| Anderson | | If you decide to cancel your policy | | |
| Santa Rosa | | (after acquiring new coverage) | | Retail Credit Company: The former |
| Williamsburg | | outside of the 30-day period, you may | | name of Equifax, a credit reporting |
| Lexington | | have to pay a fee or penalty. | | organization. See Equifax. |
| St. Joseph | | However, you may still save money | | |
| Las Vegas | | after paying the fee if your new policy | | |
| Florissant | | affords you significant savings. So | | |
| Seattle | | while it is best to wait until your | | |
| Peoria | | receive your renewal notice, you CAN | | |
| Muskegon | | cancel your policy at any time. | | |
