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| Muncie | | The quickest and easiest way to | | Retail Credit Company: The former |
| Woodbridge | | shop for new insurance is by | | name of Equifax, a credit reporting |
| Mobile | | comparing rates at InsWebs online | | organization. See Equifax. |
| Scranton | | marketplace. If you do it the | | |
| Mansfield | | old-fashioned way (by calling or | | Gain and Loss Exhibit: The portion of |
| Allentown | | visiting multiple agents or insurance | | the convention blank which |
| Durham | | companies) it could take up a huge | | represents an analysis of gains, |
| Elkhart | | chunk of your time, which no one | | losses, and surplus during an |
| Lexington | | wants or needs. By completing | | accounting period. |
| Davenport | | InsWebs online application, you will | | |
| Dearborn | | have rates to compare to your old | | Authorized Insurer: An insurer |
| Venice | | ones within minutes! | | authorized by the state to transact |
| Palm Desert | | | | business in that state for specific |
| Dayton | | Individuals who have 30-year | | types of insurance. |
| Columbus | | mortgages might want to consider a | | |
| Daytona Beach | | 30-year term to ensure that the house | | Overlapping Insurance: Coverage |
| Zanesville | | is protected throughout the period of | | from two or more policies or insurers |
| Jonesboro | | the loan. | | which duplicates coverage of certain |
| Beaumont | | | | risks. |
| Fayetteville | | If you decide to cancel your policy | | |
| San Diego | | (after acquiring new coverage) | | Agency Company: An insurance |
| Warren | | outside of the 30-day period, you may | | company that produces business |
| Fredericksburg | | have to pay a fee or penalty. | | through an agency network. Contrast |
| Long Island City | | However, you may still save money | | with Direct Writer. |
| Belleville | | after paying the fee if your new policy | | |
| Sumter | | affords you significant savings. So | | Agency Contract (or Agreement): The |
| Turlock | | while it is best to wait until your | | document which establishes the legal |
| Oakland | | receive your renewal notice, you CAN | | relationship between an agent and an |
| Huntington Beach | | cancel your policy at any time. | | insurer. |
