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| Boston | | The best time to switch policies is | | Exclusions: Specific situations, |
| Thousand Oaks | | within one month of receiving your | | conditions, or circumstances that are |
| Chula Vista | | policy renewal from your current | | listed in the contract as being not |
| Santa Ana | | insurer. You can typically cancel your | | covered. |
| Portsmouth | | policy without any fees or penalties if | | |
| Johnstown | | you act within this time period. | | Countersignature: The signature of a |
| Tacoma | | | | licensed agent or representative on a |
| Macon | | Everyone has different needs, and | | policy. |
| Jackson | | not one size fits all when it comes to | | |
| Torrance | | term life insurance. While it may make | | Criticism: A correction suggested by a |
| Whittier | | sense for people in their 30s and 40s | | rating or auditing bureau to an insurer. |
| Oakland | | to secure a 20-year term length, a | | |
| Rome | | 10-year term might be more | | National Auto Theft Bureau: An |
| Pembroke Pines | | appropriate for someone nearing | | organization engaged in the |
| Anchorage | | retirement. | | prevention and reduction of motor |
| Oceanside | | | | vehicle fire and theft losses. |
| Valdosta | | If you have noticed that your auto | | |
| Florissant | | insurance rates are still increasing | | Legislative Risk: A risk faced by |
| Pompano Beach | | with each renewal, or even have not | | investors whereby changes in tax |
| Goldsboro | | gone down even though you have a | | laws can result in adverse effects on |
| San Jose | | great driving record, this lower pricing | | the individual's investment results. |
| San Diego | | trend makes it more important then | | |
| Springfield | | ever that you shop around for auto | | Overlapping Insurance: Coverage |
| Metairie | | insurance. | | from two or more policies or insurers |
| Mesquite | | | | which duplicates coverage of certain |
| Hickory | | At InsWeb, you can compare free | | risks. |
| West Chester | | online insurance quotes from many of | | |
| Walnut Creek | | the nations leading insurance | | American Risk and Insurance |
| Nashua | | companies. | | Association: An association of |
| Rochester | | | | insurance educators and others |
| Sioux Falls | | Make sure you have a new policy in | | interested in insurance study and |
| Indianapolis | | place before you cancel your old one | | research. |
| Jersey City | | to avoid a lapse in coverage. This will | | |
| Columbia | | also prevent having to figure out the | | Policywriting Agent: An agent who has |
| Kansas City | | amount of any unused premium that is | | the authority to prepare and effect an |
| Stockbridge | | due to you from your old insurance | | insurer's policy. |
| Inglewood | | company, or having to spar with your | | |
| Huntsville | | agent about exactly when your policy | | |
| Beaumont | | was cancelled and how much they | | |
| Santa Ana | | owe you. | | |
