Your auto insurance rates don't just depend on your driving history and the type of car you drive; many other things affect the rates. In fact, some of them are things you cannot change; such as these five:
Your Age
Age is one of the biggest determinants of auto insurance rates, yet it is something you cannot change (unless you lie on your driving license, and this is a fraudulent act that can cost you dearly).
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So, you have decided to start a shipping business? You already have a lot of big competition out there, but if you know how to undersell the big shipping magnates, you have a shot at success. As you start up the business, you will need five types of business insurance. Make sure you have all of the following, or your business could go belly-up in a hurry.
Commercial Property Insurance
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If you've spent the last few days or weeks becoming increasingly frustrated at dealing with a vehicle that won't run or drive, you may be wondering whether it's time to remove or suspend your insurance coverage on this vehicle until you can get it back into service again.
Un-insuring a vehicle can make financial sense in some situations, especially if you're paying high insurance rates and expect it to be weeks or even months before your vehicle makes it back onto the road.
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Even though it is rarely an expected thing, most drivers will have at least a few accidents in their lifetime. Unfortunately, even if your accident is not a big one, you will be left waiting for the insurance to pick up and pay the damages so you an get your vehicle fixed. While most people will simply go through the motions and entrust the appraisal of damages to the adjuster hired or employed by the auto insurance company, you do also have the option of having the damages assessed by a public adjuster as well.
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The next time you renew your auto insurance policy, be sure to make sure that you are paying for the right extras. Here are a few extras that are great to add onto your insurance coverage.
#1 Rental Car Coverage
If you are ever in an accident, regardless of whose fault it is, your insurance company is not going to cover the cost of a rental car for you unless you have rental car coverage.
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