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| Venice | | The quickest and easiest way to | | Adjustment Bureau: A firm organized |
| Honolulu | | shop for new insurance is by | | to provide adjustment services to |
| Daytona Beach | | comparing rates at InsWebs online | | insurers not wishing to create their |
| Poughkeepsie | | marketplace. If you do it the | | own claims division. |
| Tampa | | old-fashioned way (by calling or | | |
| Racine | | visiting multiple agents or insurance | | Partnership: A business enterprise |
| Bethlehem | | companies) it could take up a huge | | owned and operated by two or more |
| Decatur | | chunk of your time, which no one | | persons for the purpose of generating |
| Williamsport | | wants or needs. By completing | | business income and profits. |
| Chesapeake | | InsWebs online application, you will | | |
| Evanston | | have rates to compare to your old | | Commingling: An illegal practice |
| Greeley | | ones within minutes! | | which occurs when an agent mixes |
| Santa Monica | | | | personal funds with the insured's or |
| Hampton | | If you decide to cancel your policy | | insurer's funds. |
| Orange | | (after acquiring new coverage) | | |
| Gaithersburg | | outside of the 30-day period, you may | | Overlapping Insurance: Coverage |
| Saginaw | | have to pay a fee or penalty. | | from two or more policies or insurers |
| Houston | | However, you may still save money | | which duplicates coverage of certain |
| Turlock | | after paying the fee if your new policy | | risks. |
| Walnut Creek | | affords you significant savings. So | | |
| Independence | | while it is best to wait until your | | Gain and Loss Exhibit: The portion of |
| Elkhart | | receive your renewal notice, you CAN | | the convention blank which |
| Williamsburg | | cancel your policy at any time. | | represents an analysis of gains, |
| Vineland | | | | losses, and surplus during an |
| Alameda | | If you have noticed that your auto | | accounting period. |
| Ventura | | insurance rates are still increasing | | |
| Grand Rapids | | with each renewal, or even have not | | Agency Contract (or Agreement): The |
| Waco | | gone down even though you have a | | document which establishes the legal |
| Reno | | great driving record, this lower pricing | | relationship between an agent and an |
| Dothan | | trend makes it more important then | | insurer. |
| Rochester | | ever that you shop around for auto | | |
| Chandler | | insurance. | | Short-Term Policy: A policy written for |
| Redlands | | | | a period of less time than is normal for |
| Woodbridge | | While some companies raise their | | that type of policy. |
| Virginia Beach | | prices based on your actual age, | | |
| Lake Charles | | most companies increase the price of | | |
| Long Island City | | their policies six months before your | | |
| Florence | | birthday. Its a term called Age | | |
| Longwood | | Nearest in the industry, and that | | |
| Providence | | half-year price increase could really | | |
| Baton Rouge | | add up over a 20-year term policy. As | | |
| Fort Lauderdale | | above, the quicker you purchase your | | |
| Reading | | policy the better. | | |
