There was a time when people were actually rewarded for staying with one insurance company for a long time, but not anymore. In fact, if you have been with your current car insurance company for more than a year or so, you are probably paying more than you would with a competing company. Because car insurance companies know that it is much easier for you to just stay with them, they have no problem hiking up your rates every six months.
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When you sit down to do your budget and take a look at your auto insurance cost, you may be surprised at what a big chunk it is taking out of your monthly paycheck. Insuring any automobile is expensive, but there are a few tricks that you can employ to make sure you are always paying the least amount possible.

Your auto insurance cost is based on numerous factors, and not purely on the type of car that you drive. Although your vehicle is part of the equation, you might be amazed at what kinds of cars are expensive to insure. If you have one of the more popular Japanese four-door sedans, you will pay much more than if you had a domestic one. This is because they are both expensive to repair and very often stolen. You should do your research before buying your next car, to make sure that it is not at the top of the “most stolen” list of cars.
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You have probably had your insurance policy for several years. Some people stay with the same company for their entire life! But, do you really know the finer points of your policy? Changes are that if you have never had to make a claim on it, you have no idea how your policy works, what it covers, and more importantly, what it doesn’t cover. Did you know that most American auto insurance policies will not cover you the minute you drive over the border into another country?

American auto insurance companies do not want to be held liable for drivers in other countries. Because you will be driving in a country where not everyone is insured, they know that they will be hit with a big bill if someone hits you, or you hit someone else. So, they usually omit foreign driving from your policy.
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