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| Billings | | If you decide to cancel your policy | | Authorized Insurer: An insurer |
| Clinton Township | | (after acquiring new coverage) | | authorized by the state to transact |
| Phoenix | | outside of the 30-day period, you may | | business in that state for specific |
| Syracuse | | have to pay a fee or penalty. | | types of insurance. |
| Miami | | However, you may still save money | | |
| Springfield | | after paying the fee if your new policy | | Malinger: To feign a disability for the |
| Baton Rouge | | affords you significant savings. So | | purpose of continuing to collect |
| Duluth | | while it is best to wait until your | | benefits longer than actually |
| Mountain View | | receive your renewal notice, you CAN | | necessary. |
| Indianapolis | | cancel your policy at any time. | | |
| Evanston | | | | Retail Credit Company: The former |
| Billings | | Make sure you have a new policy in | | name of Equifax, a credit reporting |
| Salt Lake City | | place before you cancel your old one | | organization. See Equifax. |
| Palm Desert | | to avoid a lapse in coverage. This will | | |
| Nashua | | also prevent having to figure out the | | Agency Contract (or Agreement): The |
| Montgomery | | amount of any unused premium that is | | document which establishes the legal |
| Indianapolis | | due to you from your old insurance | | relationship between an agent and an |
| Fayetteville | | company, or having to spar with your | | insurer. |
| Billings | | agent about exactly when your policy | | |
| Lafayette | | was cancelled and how much they | | Other Insurance: The existence of |
| Milwaukee | | owe you. | | other contracts covering the same |
| Hampton | | | | interest and perils. |
| Bellevue | | The quickest and easiest way to | | |
| Vero Beach | | shop for new insurance is by | | Admitted (or Allowed) Assets: Assets |
| Slidell | | comparing rates at InsWebs online | | whose values are permitted by state |
| Wichita | | marketplace. If you do it the | | law to be included in the annual |
| Carlsbad | | old-fashioned way (by calling or | | statement of the insurer. |
| Grand Prairie | | visiting multiple agents or insurance | | |
| Birmingham | | companies) it could take up a huge | | Replacement: A new policy written to |
| Bronx | | chunk of your time, which no one | | take the place of one currently in force. |
| Metairie | | wants or needs. By completing | | |
| Cincinnati | | InsWebs online application, you will | | Accident Year Experience: Measures |
| Clinton Township | | have rates to compare to your old | | premiums and losses relating to |
| El Cajon | | ones within minutes! | | accidents which occurred during a |
| Denver | | | | 12-month period. |
