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| Birmingham | | Individuals who have 30-year | | Accidental Bodily Injury: An injury |
| Fredericksburg | | mortgages might want to consider a | | sustained accidentally. Only the result |
| Lawton | | 30-year term to ensure that the house | | need be accidental. Contrast with |
| New Port Richey | | is protected throughout the period of | | Accidental Means. |
| Trenton | | the loan. | | |
| Pensacola | | | | Preferred Risk: Any risk considered |
| Pensacola | | Why not take advantage of current | | to be better than the standard risk on |
| Stuart | | low prices? Many auto insurance | | which the premium rate was |
| Dearborn | | consumers are becoming educated | | calculated. |
| Glendale | | on other companies, plans, and rates | | |
| Providence | | that are available to them; ones that | | Policy Period (or Term): The period |
| Sarasota | | could afford them significant savings | | during which the policy contract |
| Rochester | | on their auto insurance. | | affords protection, e.g., six months or |
| South Bend | | | | one or three years. |
| New York | | If you decide to cancel your policy | | |
| Hartford | | (after acquiring new coverage) | | Professional Insurance Agents |
| Rapid City | | outside of the 30-day period, you may | | Association: A trade association of |
| Buffalo | | have to pay a fee or penalty. | | mutual insurance agents. |
| Springfield | | However, you may still save money | | |
| Fort Worth | | after paying the fee if your new policy | | Director of Insurance: A title used in |
| Cherry Hill | | affords you significant savings. So | | some states for the head of the |
| Rockville | | while it is best to wait until your | | department of insurance. |
| Anderson | | receive your renewal notice, you CAN | | |
| Roanoke | | cancel your policy at any time. | | Theory of Probability: The |
| Newark | | | | mathematical principle upon which |
| Orlando | | The best time to switch policies is | | insurance is based. |
| Lima | | within one month of receiving your | | |
| Downey | | policy renewal from your current | | Inspection: Independent checking on |
| Columbus | | insurer. You can typically cancel your | | facts about an applicant, |
| Orlando | | policy without any fees or penalties if | | policyholder, or claimant, usually by a |
| San Jose | | you act within this time period. | | commercial inspection agency. |
