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 At any rate, with higher deductibles, I pay less in premiums, which I can put towards my savings instead. 6. Maintain a good driving record. Getting into an accident is one of the most obvious ways to drive up your car insurance rates. But an alarming number of drivers continue to drive dangerously, increasing their odds of being involved in a collision ten fold. While drunk driving is a classic example of a dangerous practice that results in avoidable accidents, an even larger proportion of U. S. motorists continue to take huge risks by using their cell phones while driving. Numerous studies have demonstrated that thousands of accidents are caused each year by drivers who are distracted while driving and texting. If you’ve received tickets or been involved in accidents, then your rates will be negatively affected. By having a clean record, you’re premiums are kept favorable.

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A study done by Dr. Robert Maril showed that, in a poor area of Arizona, 44% said they had trouble buying food or paying rent due to auto insurance. A survey done by the Montana DPHHS showed 12 of the 96 surveyed said auto insurance was a reason for needing food stamps. Vehicle insurance also known as car insurance, motor insurance or auto insurance is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region. Several Canadian provinces British Columbia, Saskatchewan, Manitoba and Quebec provide a public auto insurance system while in the rest of the country insurance is provided privately . Basic auto insurance is mandatory throughout Canada with each province's government determining which benefits are included as minimum required auto insurance coverage and which benefits are options available for those seeking additional coverage. Accident benefits coverage is mandatory everywhere except for Newfoundland and Labrador. All provinces in Canada have some form of no fault insurance available to accident victims.