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| Midland | | Shopping around is the best way to | | Mandatory Valuation Reserve: A |
| Overland Park | | save money on your insurance. | | reserve required by a state law to |
| Worcester | | | | offset any declines in the valuation of |
| Inglewood | | If you decide to cancel your policy | | securities listed as admitted assets. |
| Miami | | (after acquiring new coverage) | | |
| Whittier | | outside of the 30-day period, you may | | Book Value: Refers to the value of |
| Sarasota | | have to pay a fee or penalty. | | assets as shown in the official |
| White Plains | | However, you may still save money | | accounting records of the company. |
| Kingsport | | after paying the fee if your new policy | | |
| Burbank | | affords you significant savings. So | | Cut Rate: This term generally applies |
| Spokane | | while it is best to wait until your | | to insurance companies who charge |
| Huntington | | receive your renewal notice, you CAN | | premiums below a normal or average |
| Kansas City | | cancel your policy at any time. | | rate. |