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| Irving | | The best time to switch policies is | | Substandard Risk: A risk not |
| Reno | | within one month of receiving your | | measuring up to underwriting |
| Mountain View | | policy renewal from your current | | standards. It may still be written but |
| Portland | | insurer. You can typically cancel your | | usually at a surcharged premium. |
| Westbury | | policy without any fees or penalties if | | |
| Dubuque | | you act within this time period. | | Retail Credit Company: The former |
| Alameda | | | | name of Equifax, a credit reporting |
| Henderson | | Individuals who have 30-year | | organization. See Equifax. |
| Irvine | | mortgages might want to consider a | | |
| Bloomington | | 30-year term to ensure that the house | | National Auto Theft Bureau: An |
| Spokane | | is protected throughout the period of | | organization engaged in the |
| Lima | | the loan. | | prevention and reduction of motor |
| Macon | | | | vehicle fire and theft losses. |
| Abilene | | The quickest and easiest way to | | |
| San Antonio | | shop for new insurance is by | | Tabular Plan: A retrospective rating |
| Inglewood | | comparing rates at InsWebs online | | plan, which uses tables to furnish the |
| Newport Beach | | marketplace. If you do it the | | various values for the rating formula. |
| Toms River | | old-fashioned way (by calling or | | |
| Palm Desert | | visiting multiple agents or insurance | | Director of Insurance: A title used in |
| Grand Junction | | companies) it could take up a huge | | some states for the head of the |
| Independence | | chunk of your time, which no one | | department of insurance. |
| Cincinnati | | wants or needs. By completing | | |
| San Francisco | | InsWebs online application, you will | | Fiduciary: A person holding the funds |
| Fairfax | | have rates to compare to your old | | or property of another in a position of |
| Pembroke Pines | | ones within minutes! | | trust. An example would be the |
| Boynton Beach | | | | executor of an estate. |
| Dothan | | People who are trying to quit | | |
| Palm Desert | | smoking, for example, might be best | | Collusion: An agreement, usually |
| Columbia | | suited purchasing a shorter term (and | | secret, between two or more persons |
| Springfield | | then replacing it with a longer term | | to defraud or deprive another or |
| Sumter | | policy when they qualify for | | others of their property or rights. |
| Tulsa | | non-tobacco prices). | | |
| Colorado Springs | | | | Underwriters Laboratories, Inc. (UL): A |
| Stockbridge | | Shopping around is the best way to | | testing laboratory for manufactured |
| Denton | | save money on your insurance. | | items to determine their safety |
| Lawton | | | | propensities. |
