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we're all feeling the pinch of the current economic crisis and most of us are examining our household budget for any areas that can be trimmed. i suggest taking a closer look at insurance policies. tips to save you money : • cancel collision and comprehensive insurance on cars older than five to seven years. • consider increasing your insurance deductibles to a minimum of $500 or higher. the higher the deductible, the lower the premium. • don’t turn in the small claims. loss free discounts add up to really big savings. • maintain good credit. good credit scores mean lower rates. • ask for a 12-month auto policy in lieu of a 6 month policy. it locks your rates in for a year compared to the regular 6-month term that is standard for most carriers. • pay your premium in full instead of a monthly payment plan. the savings is considerable and most carriers charge a fee if paying monthly. • the lowest price rarely saves you money in the long run! by buying a low-cost low-coverag

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