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| Manchester | | If you have noticed that your auto | | Net Interest Earned: The average |
| Erie | | insurance rates are still increasing | | interest earned by an insurer on its |
| Canton | | with each renewal, or even have not | | investments after investment expense |
| Springfield | | gone down even though you have a | | but before federal income taxes. |
| Bloomington | | great driving record, this lower pricing | | |
| Metairie | | trend makes it more important then | | Captive Agent: One who sells |
| Chicago | | ever that you shop around for auto | | insurance for only one company as |
| Albany | | insurance. | | opposed to an agent who represents |
| Torrance | | | | several companies. |
| Newark | | Individuals who have 30-year | | |
| Raleigh | | mortgages might want to consider a | | Interstate Carrier: A transportation |
| Livonia | | 30-year term to ensure that the house | | company which does business |
| Milwaukee | | is protected throughout the period of | | across state lines. |
| Colorado Springs | | the loan. | | |
| Schaumburg | | | | Malinger: To feign a disability for the |
| Lowell | | Shopping around is the best way to | | purpose of continuing to collect |
| Sacramento | | save money on your insurance. | | benefits longer than actually |
| South Bend | | | | necessary. |
| Little Rock | | If you decide to cancel your policy | | |
| Jasper | | (after acquiring new coverage) | | Mandatory Valuation Reserve: A |
| Hickory | | outside of the 30-day period, you may | | reserve required by a state law to |
| Eugene | | have to pay a fee or penalty. | | offset any declines in the valuation of |
| Downey | | However, you may still save money | | securities listed as admitted assets. |
| Roanoke | | after paying the fee if your new policy | | |
| Las Cruces | | affords you significant savings. So | | Examiner: An employee assigned by |
| Jersey City | | while it is best to wait until your | | the state insurance department to |
| Jacksonville | | receive your renewal notice, you CAN | | audit insurers' records. |
| Sioux Falls | | cancel your policy at any time. | | |
| Chesapeake | | | | Sole Proprietorship: A business |
| Denver | | Make sure you have a new policy in | | enterprise owned by one person who |
| Hemet | | place before you cancel your old one | | is its manager and employee. |
| Buffalo | | to avoid a lapse in coverage. This will | | |
| Coral Springs | | also prevent having to figure out the | | Professional Insurance Agents |
| Anaheim | | amount of any unused premium that is | | Association: A trade association of |
| Duluth | | due to you from your old insurance | | mutual insurance agents. |
| Cleveland | | company, or having to spar with your | | |
| Grand Junction | | agent about exactly when your policy | | |
| Owensboro | | was cancelled and how much they | | |
| New Orleans | | owe you. | | |
