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Think about your automobile before purchasing coverage. Driving an older vehicle will probably cost less to insure, than a newer model. Another factor to consider is the theft rate of the type of vehicle you have. Regardless of its age, if the theft rate is high, you should think about comprehensive coverage. In most states you are required to have a liability insurance in order to get your car on the road. It is up to you to know what type of insurance is the minimum required by your state. If you’re uninsured and happen to be in an accident, no matter if you’re at fault or not, you will be liable for both the monetary consequences and the legal consequences for driving without insurance. Make sure you check with your insurance company to see what discounts might be available to you. Persons who drive fewer than 7,500 miles in a year often get a reduction in premiums from their insurer. Your premium will also be reduced if you take any public transit system to work. If you do not take the bus, you may get a discount if you carpool instead.
This article is copyright © 2013 of Katherine S. Mascarenas