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| Southfield | | The best time to switch policies is | | Gross Premium: The net premium |
| Reading | | within one month of receiving your | | plus operating expenses, |
| Mansfield | | policy renewal from your current | | commissions and other expenses. |
| Warren | | insurer. You can typically cancel your | | |
| Peoria | | policy without any fees or penalties if | | Overlapping Insurance: Coverage |
| Hartford | | you act within this time period. | | from two or more policies or insurers |
| Muncie | | | | which duplicates coverage of certain |
| Santa Monica | | Shopping around is the best way to | | risks. |
| Englewood | | save money on your insurance. | | |
| Allentown | | | | Valuation Clause: A clause stating the |
| Olympia | | Why not take advantage of current | | value of items for insurance |
| Stockbridge | | low prices? Many auto insurance | | purposes, making it a valued policy. |
| Tucson | | consumers are becoming educated | | |
| Lancaster | | on other companies, plans, and rates | | Preferred Risk: Any risk considered |
| Springfield | | that are available to them; ones that | | to be better than the standard risk on |
| Charlotte | | could afford them significant savings | | which the premium rate was |
| Santa Monica | | on their auto insurance. | | calculated. |