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| Saginaw | | If you have noticed that your auto | | Initial Premium: An amount paid at the |
| Cape Coral | | insurance rates are still increasing | | inception of an insurance contract, |
| Anderson | | with each renewal, or even have not | | usually subject to adjustment at the |
| Metairie | | gone down even though you have a | | end of the policy period. |
| Nashville | | great driving record, this lower pricing | | |
| Santa Clara | | trend makes it more important then | | Brokerage Department: A department |
| Tuscaloosa | | ever that you shop around for auto | | of an insurer whose purpose is to |
| Sunnyvale | | insurance. | | deal with brokers in the placing of |
| Detroit | | | | insurance. |
| Whittier | | Why not take advantage of current | | |
| Grand Rapids | | low prices? Many auto insurance | | Paid-In Surplus: Surplus paid in by |
| Hemet | | consumers are becoming educated | | stockholders, as contrasted with |
| Milwaukee | | on other companies, plans, and rates | | surplus earned through the |
| Cincinnati | | that are available to them; ones that | | operations of a business. |
| Chattanooga | | could afford them significant savings | | |
| Lexington | | on their auto insurance. | | Premium Receipt: The receipt given |
| Alpharetta | | | | a policy owner for the payment of a |
| Rockville | | Everyone has different needs, and | | premium. |
| Dayton | | not one size fits all when it comes to | | |
| Peoria | | term life insurance. While it may make | | FICA. Federal Insurance Contributions |
| Poughkeepsie | | sense for people in their 30s and 40s | | Act: A law imposing a payroll tax to |
| Lincoln | | to secure a 20-year term length, a | | assist in funding Social Security |
| Philadelphia | | 10-year term might be more | | benefits. |
| Stuart | | appropriate for someone nearing | | |
| Mansfield | | retirement. | | Federal Deposit Insurance |
| Savannah | | | | Corporation (FDIC): An agency of the |
| Eugene | | Individuals who have 30-year | | federal government which insures |
| Aurora | | mortgages might want to consider a | | bank deposits up to a stated |
| Oceanside | | 30-year term to ensure that the house | | maximum. |
| Dayton | | is protected throughout the period of | | |
| Jacksonville | | the loan. | | Preferred Risk: Any risk considered |
| Lafayette | | | | to be better than the standard risk on |
| Oceanside | | The best time to switch policies is | | which the premium rate was |
| Littleton | | within one month of receiving your | | calculated. |
| Akron | | policy renewal from your current | | |
| Santa Clara | | insurer. You can typically cancel your | | |
| Texarkana | | policy without any fees or penalties if | | |
| Flushing | | you act within this time period. | | |
