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| Macon | | Shopping around is the best way to | | War Risk Insurance: Insurance |
| Ann Arbor | | save money on your insurance. | | covering damage caused by war. |
| Downey | | | | Most often written by Ocean Marine |
| Mountain View | | If you decide to cancel your policy | | Insurance companies covering |
| Tampa | | (after acquiring new coverage) | | vessels. |
| Worcester | | outside of the 30-day period, you may | | |
| Sioux City | | have to pay a fee or penalty. | | Index Bureau Experience: A measure |
| Lansing | | However, you may still save money | | of losses relating to claims reported |
| Elkhart | | after paying the fee if your new policy | | through a claim office during a |
| San Bernardino | | affords you significant savings. So | | 12-month period. |
| Southfield | | while it is best to wait until your | | |
| Lawton | | receive your renewal notice, you CAN | | Commingling: An illegal practice |
| Oakland | | cancel your policy at any time. | | which occurs when an agent mixes |
| Council Bluffs | | | | personal funds with the insured's or |
| Oxnard | | While some companies raise their | | insurer's funds. |
| Baltimore | | prices based on your actual age, | | |
| Reno | | most companies increase the price of | | Book Value: Refers to the value of |
| Glendale | | their policies six months before your | | assets as shown in the official |
| Alexandria | | birthday. Its a term called Age | | accounting records of the company. |
| Chesapeake | | Nearest in the industry, and that | | |
| Raleigh | | half-year price increase could really | | Gain and Loss Exhibit: The portion of |
| Santa Ana | | add up over a 20-year term policy. As | | the convention blank which |
| Cranston | | above, the quicker you purchase your | | represents an analysis of gains, |
| Omaha | | policy the better. | | losses, and surplus during an |
| Santa Barbara | | | | accounting period. |
| Jackson | | The quickest and easiest way to | | |
| Minneapolis | | shop for new insurance is by | | Insurance Examiner: The |
| Fresno | | comparing rates at InsWebs online | | representative of a state insurance |
| Lakeland | | marketplace. If you do it the | | department assigned to participate in |
| San Bernardino | | old-fashioned way (by calling or | | the official audit and examination of |
| Staten Island | | visiting multiple agents or insurance | | an insurer. |
| Westbury | | companies) it could take up a huge | | |
| Greensboro | | chunk of your time, which no one | | Tabular Plan: A retrospective rating |
| Cleveland | | wants or needs. By completing | | plan, which uses tables to furnish the |
| El Paso | | InsWebs online application, you will | | various values for the rating formula. |
| Youngstown | | have rates to compare to your old | | |
| Bloomington | | ones within minutes! | | |
