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| Melbourne | | Make sure you have a new policy in | | Basic Rate: The manual rate from |
| Valdosta | | place before you cancel your old one | | which discounts are taken or to which |
| Redlands | | to avoid a lapse in coverage. This will | | charges are added to reflect the |
| Williamsburg | | also prevent having to figure out the | | individual circumstances of a risk. |
| Lakeland | | amount of any unused premium that is | | |
| Albuquerque | | due to you from your old insurance | | Partnership: A business enterprise |
| Cherry Hill | | company, or having to spar with your | | owned and operated by two or more |
| Lawton | | agent about exactly when your policy | | persons for the purpose of generating |
| Winter Haven | | was cancelled and how much they | | business income and profits. |
| Santa Ana | | owe you. | | |
| Glendale | | | | Tariff Rate: A rate established by a |
| Pompano Beach | | The quickest and easiest way to | | rating organization, which comes from |
| Lake Charles | | shop for new insurance is by | | the tables, schedules and rules found |
| Lafayette | | comparing rates at InsWebs online | | in the tariff of rates. |
| Downey | | marketplace. If you do it the | | |
| Thousand Oaks | | old-fashioned way (by calling or | | American Risk and Insurance |
| Melbourne | | visiting multiple agents or insurance | | Association: An association of |
| Oxnard | | companies) it could take up a huge | | insurance educators and others |
| Detroit | | chunk of your time, which no one | | interested in insurance study and |
| Lima | | wants or needs. By completing | | research. |
| Springfield | | InsWebs online application, you will | | |
| Jacksonville | | have rates to compare to your old | | Not Taken: Policies applied for and |
| Asheville | | ones within minutes! | | issued but rejected by the proposed |
| Jackson | | | | owner and not paid for. |
| Westbury | | While some companies raise their | | |
| Oceanside | | prices based on your actual age, | | Short-Term Policy: A policy written for |
| Delray Beach | | most companies increase the price of | | a period of less time than is normal for |
| Tuscaloosa | | their policies six months before your | | that type of policy. |
| Durham | | birthday. Its a term called Age | | |
| Naperville | | Nearest in the industry, and that | | Incurred Expense: Expenses not yet |
| Santa Ana | | half-year price increase could really | | paid. Can also include paid |
| Escondido | | add up over a 20-year term policy. As | | expenses in some accounting |
| Dubuque | | above, the quicker you purchase your | | systems. |
| Sioux Falls | | policy the better. | | |
