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| Duluth | | Make sure you have a new policy in | | Accident: An unplanned event, |
| Stockton | | place before you cancel your old one | | unexpected and undesigned, which |
| Clearwater | | to avoid a lapse in coverage. This will | | occurs suddenly and at a definite |
| Billings | | also prevent having to figure out the | | place. |
| Waterloo | | amount of any unused premium that is | | |
| Jasper | | due to you from your old insurance | | Premium: The price of insurance |
| Vancouver | | company, or having to spar with your | | protection for a specified risk for a |
| Toledo | | agent about exactly when your policy | | specified period of time. |
| Plano | | was cancelled and how much they | | |
| Fort Lauderdale | | owe you. | | Net Retention: The amount of |
| Oakland | | | | insurance that a ceding company |
| Louisville | | Why not take advantage of current | | keeps for its own account and does |
| Myrtle Beach | | low prices? Many auto insurance | | not reinsure. |
| San Antonio | | consumers are becoming educated | | |
| Beaumont | | on other companies, plans, and rates | | Preferred Risk: Any risk considered |
| Cherry Hill | | that are available to them; ones that | | to be better than the standard risk on |
| Yuma | | could afford them significant savings | | which the premium rate was |
| Ogden | | on their auto insurance. | | calculated. |
