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| Philadelphia | | The best time to switch policies is | | Multi-Peril Policies: Policies which |
| Phoenix | | within one month of receiving your | | cover a number of perils, such as fire, |
| Billings | | policy renewal from your current | | burglary, and liability, in a single |
| Los Angeles | | insurer. You can typically cancel your | | contract. |
| Kansas City | | policy without any fees or penalties if | | |
| Bloomington | | you act within this time period. | | Tariff Rate: A rate established by a |
| Gainesville | | | | rating organization, which comes from |
| Inglewood | | Why not take advantage of current | | the tables, schedules and rules found |
| Spokane | | low prices? Many auto insurance | | in the tariff of rates. |
| Anchorage | | consumers are becoming educated | | |
| Inglewood | | on other companies, plans, and rates | | Examiner: An employee assigned by |
| Gaithersburg | | that are available to them; ones that | | the state insurance department to |
| Cambridge | | could afford them significant savings | | audit insurers' records. |
| Houston | | on their auto insurance. | | |
| Ann Arbor | | | | Preferred Risk: Any risk considered |
| Dothan | | If you have noticed that your auto | | to be better than the standard risk on |
| Anderson | | insurance rates are still increasing | | which the premium rate was |
| Kansas City | | with each renewal, or even have not | | calculated. |
| Lawton | | gone down even though you have a | | |
| Duluth | | great driving record, this lower pricing | | Expense Allowance: A compensation |
| Palm Harbor | | trend makes it more important then | | paid to an insurance agent in excess |
| Portsmouth | | ever that you shop around for auto | | of prescribed commissions. |
| Jonesboro | | insurance. | | |
| Dayton | | | | Exclusion: A contractual provision that |
| Long Island City | | At InsWeb, you can compare free | | denies coverage for certain perils, |
| Norfolk | | online insurance quotes from many of | | persons, property, or locations. |
| Englewood | | the nations leading insurance | | |
| Lawrenceville | | companies. | | Business: In Property, Liability, and |
| Albany | | | | Health lines, it usually refers to the |
| Zanesville | | Individuals who have 30-year | | volume of premiums. |
| South Bend | | mortgages might want to consider a | | |
| Decatur | | 30-year term to ensure that the house | | Notice of Cancellation: Written notice |
| Tuscaloosa | | is protected throughout the period of | | by an insurer of intent to cancel |
| Naperville | | the loan. | | insurance, or written notice by an |
| Waterloo | | | | insured requesting cancellation. |
