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| Fullerton | | Make sure you have a new policy in | | Captive Agent: One who sells |
| Tallahassee | | place before you cancel your old one | | insurance for only one company as |
| Lake Worth | | to avoid a lapse in coverage. This will | | opposed to an agent who represents |
| Harrisburg | | also prevent having to figure out the | | several companies. |
| Omaha | | amount of any unused premium that is | | |
| Lafayette | | due to you from your old insurance | | Stock Option Plan: Surviving |
| Pasadena | | company, or having to spar with your | | stockholders have the option to |
| Houston | | agent about exactly when your policy | | purchase or not purchase the shares |
| Fort Collins | | was cancelled and how much they | | of a deceased stockholder. |
| West Palm Beach | | owe you. | | |
| Anaheim | | | | Equity: The money value of an |
| Belleville | | The best time to switch policies is | | insurance company that is over and |
| Jacksonville | | within one month of receiving your | | above its liabilities. Liabilities include |
| Columbus | | policy renewal from your current | | almost all of its reserves. |
| Huntsville | | insurer. You can typically cancel your | | |
| Topeka | | policy without any fees or penalties if | | Gross Premium: The net premium |
| Tulsa | | you act within this time period. | | plus operating expenses, |
| Clarksville | | | | commissions and other expenses. |
| Gulfport | | Why not take advantage of current | | |
| Rockville | | low prices? Many auto insurance | | Short-Term Policy: A policy written for |
| Tacoma | | consumers are becoming educated | | a period of less time than is normal for |
| Clinton Township | | on other companies, plans, and rates | | that type of policy. |
| Chesapeake | | that are available to them; ones that | | |
| Fort Lauderdale | | could afford them significant savings | | Agency: An insurance sales office |
| San Francisco | | on their auto insurance. | | which is directed by a agent, |
| Monroe | | | | manager, independent agent, or |
| San Bernardino | | Individuals who have 30-year | | company manager. |
| Santa Rosa | | mortgages might want to consider a | | |
| Knoxville | | 30-year term to ensure that the house | | Accident: An unplanned event, |
| Santa Monica | | is protected throughout the period of | | unexpected and undesigned, which |
| Stuart | | the loan. | | occurs suddenly and at a definite |
| Sioux Falls | | | | place. |
| Lexington | | At InsWeb, you can compare free | | |
| Pembroke Pines | | online insurance quotes from many of | | Underinsurance: A condition in which |
| Union | | the nations leading insurance | | not enough insurance is carried to |
| Whittier | | companies. | | cover the insurable value. |
