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Ask yourself these questions when shopping for auto insurance:

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Questions to ask about auto insurance Discounts Does your company offer any kind of discounts?______________________ These are some common auto insurance premium offsets: Being a safe driver: If you've gone several years with no accidents or tickets, you could get a break on the cost of insurance. Safety features such as daytime running lights, airbags or anti-lock brakes. Having more than one car on your policy. Defensive driving course for seniors or teens. Good student discount for college students who maintain a certain grade point average. Customer service How do you get in touch with the company?______________________ Is there a local agent?______________________ Will the company send someone out to see you?______________________ Does it have a 1-800 number and a Web site?______________________ Coverage you need What is the minimum required coverage in your state?______________________ How much is your car worth?______________________ How old is it?______________________ Experts recommend skipping collision and comprehensive if you have an old car. How much of a deductible would you be able to afford?______________________ What is the most liability coverage you can afford?______________________

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