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| Milwaukee | | Everyone has different needs, and | | Adjustment Bureau: A firm organized |
| Spartanburg | | not one size fits all when it comes to | | to provide adjustment services to |
| Huntington | | term life insurance. While it may make | | insurers not wishing to create their |
| Seattle | | sense for people in their 30s and 40s | | own claims division. |
| Davenport | | to secure a 20-year term length, a | | |
| Coral Springs | | 10-year term might be more | | Premium Notice: A form notice from |
| Edison | | appropriate for someone nearing | | an insurer or agency to a policy |
| Phoenix | | retirement. | | owner that a premium will be due on a |
| Sacramento | | | | given date. |
| Wichita | | If you decide to cancel your policy | | |
| Grand Rapids | | (after acquiring new coverage) | | Short Rate Premium: The premium |
| Austin | | outside of the 30-day period, you may | | required for issuing a policy for a |
| Greensboro | | have to pay a fee or penalty. | | period less than its normal term. |
| Panama City | | However, you may still save money | | |
| Bay City | | after paying the fee if your new policy | | Exclusions: Specific situations, |
| Lakewood | | affords you significant savings. So | | conditions, or circumstances that are |
| Stockbridge | | while it is best to wait until your | | listed in the contract as being not |
| Huntsville | | receive your renewal notice, you CAN | | covered. |
| Oklahoma City | | cancel your policy at any time. | | |
| Newark | | | | Accidental Bodily Injury: An injury |
| St. Louis | | The best time to switch policies is | | sustained accidentally. Only the result |
| Pompano Beach | | within one month of receiving your | | need be accidental. Contrast with |
| Clearwater | | policy renewal from your current | | Accidental Means. |
| Tuscaloosa | | insurer. You can typically cancel your | | |
| Ann Arbor | | policy without any fees or penalties if | | Burning Ratio: The ratio of losses |
| Lawrenceville | | you act within this time period. | | suffered to the amount of insurance in |
| Reno | | | | effect. |
| Washington | | If you have noticed that your auto | | |
| Orlando | | insurance rates are still increasing | | Agent's License: A certificate of |
| Bradenton | | with each renewal, or even have not | | authority from the state which permits |
| Erie | | gone down even though you have a | | the agent to conduct business. |
| Santa Ana | | great driving record, this lower pricing | | |
| Houma | | trend makes it more important then | | Not Taken: Policies applied for and |
| Akron | | ever that you shop around for auto | | issued but rejected by the proposed |
| Wichita Falls | | insurance. | | owner and not paid for. |
