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| Erie | | The best time to switch policies is | | Malicious Mischief: Similar to |
| Costa Mesa | | within one month of receiving your | | vandalism. Purposely damaging the |
| Winter Park | | policy renewal from your current | | rights or property of another. |
| Newburgh | | insurer. You can typically cancel your | | |
| Gainesville | | policy without any fees or penalties if | | Public Adjuster: An insurance adjuster |
| Redlands | | you act within this time period. | | who represents an insured on a fee |
| Springfield | | | | basis in claims settlement. Contrast |
| Clarksville | | If you decide to cancel your policy | | with Independent Adjuster. |
| Wilmington | | (after acquiring new coverage) | | |
| Sioux City | | outside of the 30-day period, you may | | Equity: The money value of an |
| Youngstown | | have to pay a fee or penalty. | | insurance company that is over and |
| Hickory | | However, you may still save money | | above its liabilities. Liabilities include |
| Harrisburg | | after paying the fee if your new policy | | almost all of its reserves. |
| St. Joseph | | affords you significant savings. So | | |
| Cranston | | while it is best to wait until your | | United States Aircraft Insurance |
| Albany | | receive your renewal notice, you CAN | | Group: A group of insurers providing |
| Canton | | cancel your policy at any time. | | facilities for all forms of Aviation |
| Vero Beach | | | | Insurance. |
| Biloxi | | Healthy people have the best | | |
| Norwalk | | mortality risks and thus are much | | Line of Business: The classification of |
| Vero Beach | | cheaper for companies to insure. This | | business as utilized in the insurance |
| Walnut Creek | | translates into lower rates for the | | industry, e.g., Fire, Allied Lines and |
| Ventura | | Super Preferred customer than | | Homeowners. |
| Columbus | | someone with higher risk factors such | | |
| El Cajon | | as a heart condition, cancer or | | Deficit Carried Forward: The transfer |
| Bronx | | diabetes. Conversely, if you were | | of a debit balance from one |
| Fairfax | | unhealthy when you acquired your | | accounting period to another. |
| Garland | | policy, and your health has now | | |
| Poughkeepsie | | improved, it might be time to shop for | | Agency Company: An insurance |
| Wilmington | | a new policy, as your rates are likely | | company that produces business |
| Bradenton | | to be lower. | | through an agency network. Contrast |
| Spring Hill | | | | with Direct Writer. |
| Providence | | Why not take advantage of current | | |
| Colorado Springs | | low prices? Many auto insurance | | Dual Life Stock Company: A stock |
| Albany | | consumers are becoming educated | | Life insurer issuing both participating |
| Colorado Springs | | on other companies, plans, and rates | | and nonparticipating policy contracts. |
| North Hollywood | | that are available to them; ones that | | |
| Syracuse | | could afford them significant savings | | |
| Springfield | | on their auto insurance. | | |
