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| Portland | | While some companies raise their | | Calendar Year Experience: This |
| Washington | | prices based on your actual age, | | measures the premiums and losses |
| Denver | | most companies increase the price of | | entered on accounting records during |
| Wichita | | their policies six months before your | | the 12-month calendar. |
| Seattle | | birthday. Its a term called Age | | |
| Valdosta | | Nearest in the industry, and that | | Insurance Policy: The printed form |
| San Diego | | half-year price increase could really | | which serves as the contract between |
| Rochester | | add up over a 20-year term policy. As | | an insurer and an insured. |
| Woodbridge | | above, the quicker you purchase your | | |
| Louisville | | policy the better. | | Indemnity: Restoration to the victim of |
| Houston | | | | a loss by payment, repair, or |
| Vineland | | If you decide to cancel your policy | | replacement. |
| Norwalk | | (after acquiring new coverage) | | |
| Springfield | | outside of the 30-day period, you may | | Commercial Lines: This term is used |
| Clearwater | | have to pay a fee or penalty. | | to refer to insurance for businesses, |
| Glendale | | However, you may still save money | | professionals, and commercial |
| Lorain | | after paying the fee if your new policy | | establishments. |
| Boulder | | affords you significant savings. So | | |
| Greenville | | while it is best to wait until your | | Director of Insurance: A title used in |
| Lancaster | | receive your renewal notice, you CAN | | some states for the head of the |
| Decatur | | cancel your policy at any time. | | department of insurance. |
