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| Melbourne | | Make sure you have a new policy in | | Policy Anniversary: The anniversary |
| Jersey City | | place before you cancel your old one | | of the date of issue of a policy as |
| Joliet | | to avoid a lapse in coverage. This will | | shown in the policy declarations. |
| Melbourne | | also prevent having to figure out the | | |
| North Hollywood | | amount of any unused premium that is | | Burning Ratio: The ratio of losses |
| Littleton | | due to you from your old insurance | | suffered to the amount of insurance in |
| Corona | | company, or having to spar with your | | effect. |
| Delray Beach | | agent about exactly when your policy | | |
| Las Cruces | | was cancelled and how much they | | Fiduciary: A person holding the funds |
| Lubbock | | owe you. | | or property of another in a position of |
| Wilmington | | | | trust. An example would be the |
| Fresno | | If you have noticed that your auto | | executor of an estate. |
| Anchorage | | insurance rates are still increasing | | |
| Knoxville | | with each renewal, or even have not | | Other Insurance: The existence of |
| Delray Beach | | gone down even though you have a | | other contracts covering the same |
| Augusta | | great driving record, this lower pricing | | interest and perils. |
| Edmond | | trend makes it more important then | | |
| Evanston | | ever that you shop around for auto | | Valuation Clause: A clause stating the |
| Bradenton | | insurance. | | value of items for insurance |
| Trenton | | | | purposes, making it a valued policy. |
| Edison | | The best time to switch policies is | | |
| Hickory | | within one month of receiving your | | Approved Roof: A term used in |
| Jackson | | policy renewal from your current | | building construction. It indicates a |
| Modesto | | insurer. You can typically cancel your | | roof made of fire-resistive materials, |
| Greeley | | policy without any fees or penalties if | | such as tile or asphalt shingles. |
| Ocala | | you act within this time period. | | |
| Indianapolis | | | | Gross Premium: The net premium |
| Duluth | | We offer quotes for auto insurance, | | plus operating expenses, |
| Quincy | | life insurance, homeowners | | commissions and other expenses. |
| Longwood | | insurance, health insurance, term life | | |
| Cookeville | | insurance and more. | | Paid-In Surplus: Surplus paid in by |
| Fayetteville | | | | stockholders, as contrasted with |
| Mobile | | If you decide to cancel your policy | | surplus earned through the |
| Lake Charles | | (after acquiring new coverage) | | operations of a business. |
| Huntington | | outside of the 30-day period, you may | | |
| Delray Beach | | have to pay a fee or penalty. | | |
| Houma | | However, you may still save money | | |
| Chula Vista | | after paying the fee if your new policy | | |
| Turlock | | affords you significant savings. So | | |
| Buffalo | | while it is best to wait until your | | |
| Bethlehem | | receive your renewal notice, you CAN | | |
| Mesquite | | cancel your policy at any time. | | |
