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| Macon | | Shopping around is the best way to | | Countersignature: The signature of a |
| Columbus | | save money on your insurance. | | licensed agent or representative on a |
| Washington | | | | policy. |
| Dothan | | Healthy people have the best | | |
| Gaithersburg | | mortality risks and thus are much | | Society of Insurance Research: An |
| Toms River | | cheaper for companies to insure. This | | organization which encourages |
| Pompano Beach | | translates into lower rates for the | | insurance research and promotes the |
| Gainesville | | Super Preferred customer than | | exchange of ideas and methods of |
| Santa Ana | | someone with higher risk factors such | | research. |
| Beaumont | | as a heart condition, cancer or | | |
| Buffalo | | diabetes. Conversely, if you were | | Agency: An insurance sales office |
| Santa Ana | | unhealthy when you acquired your | | which is directed by a agent, |
| Erie | | policy, and your health has now | | manager, independent agent, or |
| Orange | | improved, it might be time to shop for | | company manager. |
| Anchorage | | a new policy, as your rates are likely | | |
| Midland | | to be lower. | | Domestic Insurer (or Company): An |
| Flushing | | | | insurer formed under the laws of the |
| Green Bay | | If you decide to cancel your policy | | state in which the insurance is written. |
| Columbus | | (after acquiring new coverage) | | |
| Baton Rouge | | outside of the 30-day period, you may | | Losses Incurred: The total losses, |
| Lawrenceville | | have to pay a fee or penalty. | | whether paid or not, sustained by an |
| Detroit | | However, you may still save money | | insurer during a given period, e.g., 12 |
| Fairfax | | after paying the fee if your new policy | | months. |
| Jersey City | | affords you significant savings. So | | |
| Melbourne | | while it is best to wait until your | | Commercial Lines: This term is used |
| Hendersonville | | receive your renewal notice, you CAN | | to refer to insurance for businesses, |
| Corona | | cancel your policy at any time. | | professionals, and commercial |
| Daytona Beach | | | | establishments. |
| Chicago | | Make sure you have a new policy in | | |
| Sarasota | | place before you cancel your old one | | Appraisal: An evaluation of property |
| Roanoke | | to avoid a lapse in coverage. This will | | made to ascertain either the |
| Staten Island | | also prevent having to figure out the | | appropriate amount of insurance to |
| Muncie | | amount of any unused premium that is | | be written or the amount of loss to be |
| Syracuse | | due to you from your old insurance | | paid. |
| Houma | | company, or having to spar with your | | |
| Pasadena | | agent about exactly when your policy | | |
| Portsmouth | | was cancelled and how much they | | |
| Augusta | | owe you. | | |
