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| Spokane | | If you decide to cancel your policy | | Fictitious Groups: Groups formed |
| Orange Park | | (after acquiring new coverage) | | primarily for the purpose of buying |
| Miami | | outside of the 30-day period, you may | | insurance. Under the law such groups |
| Boston | | have to pay a fee or penalty. | | may not be underwritten. |
| San Francisco | | However, you may still save money | | |
| Fall River | | after paying the fee if your new policy | | Commingling: An illegal practice |
| Evanston | | affords you significant savings. So | | which occurs when an agent mixes |
| Minneapolis | | while it is best to wait until your | | personal funds with the insured's or |
| Inglewood | | receive your renewal notice, you CAN | | insurer's funds. |
| St. Paul | | cancel your policy at any time. | | |
| Schaumburg | | | | License: A certification of authority for |
| Delray Beach | | The quickest and easiest way to | | an agent or insurer to operate, given |
| Green Bay | | shop for new insurance is by | | by the appropriate jurisdiction. |
| Alexandria | | comparing rates at InsWebs online | | |
| Orange Park | | marketplace. If you do it the | | Premises: The particular location of |
| Lake Charles | | old-fashioned way (by calling or | | property or a portion thereof as |
| Buffalo | | visiting multiple agents or insurance | | designated in a policy. |
| Indianapolis | | companies) it could take up a huge | | |
| Bradenton | | chunk of your time, which no one | | Other Insurance: The existence of |
| Torrance | | wants or needs. By completing | | other contracts covering the same |
| Palo Alto | | InsWebs online application, you will | | interest and perils. |
| Coral Springs | | have rates to compare to your old | | |
| Scottsdale | | ones within minutes! | | Underwriters Laboratories, Inc. (UL): A |
| Hemet | | | | testing laboratory for manufactured |
| Yonkers | | People who are trying to quit | | items to determine their safety |
| Tampa | | smoking, for example, might be best | | propensities. |
| Vineland | | suited purchasing a shorter term (and | | |
| Erie | | then replacing it with a longer term | | Criticism: A correction suggested by a |
| Corpus Christi | | policy when they qualify for | | rating or auditing bureau to an insurer. |
| Hendersonville | | non-tobacco prices). | | |
| Fayetteville | | | | Director of Insurance: A title used in |
| Trenton | | While some companies raise their | | some states for the head of the |
| Morristown | | prices based on your actual age, | | department of insurance. |
| Lansing | | most companies increase the price of | | |
| Corpus Christi | | their policies six months before your | | |
| Tulsa | | birthday. Its a term called Age | | |
| Lafayette | | Nearest in the industry, and that | | |
| Lancaster | | half-year price increase could really | | |
| Rochester | | add up over a 20-year term policy. As | | |
| Newark | | above, the quicker you purchase your | | |
| Odessa | | policy the better. | | |
