(5% to 50%) Discount Car Insurance Tuba City AZ

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Written by: Andrew Brown Quality Checked by: Samantha Reed

Cheap Auto Insurance Rates Near Me

Why Are Car Insurance Rates So Expensive Near Me

Car insurance premiums in Tuba City Arizona can be quite expensive. This is especially true for drivers who live in Arizona’s larger cities like Phoenix and Tucson, where rates are much higher than the national average. So why exactly are Arizona car insurance rates so high?

One factor that contributes to Arizona’s expensive auto insurance rates is its high rate of uninsured drivers. Arizona has one of the highest levels of uninsured motorists in the country, with almost 25% of drivers on Arizona roads operating without insurance coverage. This means that insurers have to raise their premiums in order to cover any potential payouts from these uninsured motorist claims. This also applies to Tuba City.

Another reason why Arizona car insurance rates tend to be higher is because of its strict minimum liability insurance requirements. Tuba City requires drivers to carry at least $25,000 in bodily injury coverage per person and $50,000 total per accident, which is higher than the national average. These minimum levels eliminate lower-priced policies that don’t cover as much in terms of liability risk.

Finally, Tuba City’s hot climate can lead to a higher rate of car accidents due to inclement weather or road conditions. This means that Arizona insurers must account for the additional risk associated with these claims when setting their premiums.

In short, Arizona's high rates of uninsured motorists combined with its strict minimum liability requirements and frequent inclement weather all contribute to Arizona's expensive auto insurance rates. While it may be difficult for Tuba City drivers to find affordable car insurance, it is possible with the right research and dedication. Shopping around for different policies and taking steps to reduce risk, such as keeping up with regular maintenance on your vehicle, can help you find a more affordable policy.

Ultimately, Tuba City residents may have to pay more for their car insurance than many other states due to Arizona’s unique conditions. However, by researching their options and taking proactive measures to reduce their risk profile, Arizona drivers can still save money and get the coverage they need.

Car Insurance Quotes by Age of Driver(15 to 70)

Auto Insurance Rates for Young vs Older People

Young drivers in Tuba City tend to pay much higher rates for their auto insurance than older, more experienced drivers. This is due mainly to the fact that younger drivers are inexperienced and statistically more likely to be involved in an accident. As a result, Arizona insurers factor this additional risk into the premiums they offer young drivers.

Older Tuba City drivers can expect to pay lower car insurance rates due to their increased experience and decreased likelihood of being involved in an accident. Arizona laws also place restrictions on how much insurers can charge older drivers based on age alone, so seniors should not have too much difficulty finding affordable rates.

Overall, Tuba City provides plenty of options when it comes to auto insurance coverage for all ages and experience levels. However, Arizona drivers should remember that rates can vary significantly depending on age and other factors, so it pays to shop around for the best deal. By researching their options and taking proactive measures to reduce their risk profile, Arizona drivers of all ages can find the coverage they need at a price they can afford.

Best Auto Insurance Companies in Arizona

American Family

Allstate

Geico

State Farm

Progressive

NAIC Market Share

2.28%

9.33%

13.45%

16.14%

12.25%

S&P Global Ratings

A

A-

AA+

AA

A

Average Full Coverage Yearly Premium

$2,206

$4,519

$1,800

$2,335

$2,159

Discount Rating

4 stars

5 stars

5 stars

5 stars

4 stars

American Family

Allstate

Geico

State Farm

Progressive

NAIC Market Share

2.28%

9.33%

13.45%

16.14%

12.25%

S&P Global Ratings

A

A-

AA+

AA

A

Average Full Coverage Yearly Premium

$2,206

$4,519

$1,800

$2,335

$2,159

Discount Rating

4 stars

5 stars

5 stars

5 stars

4 stars

American Family

Allstate

Geico

State Farm

Progressive

NAIC Market Share

2.28%

9.33%

13.45%

16.14%

12.25%

S&P Global Ratings

A

A-

AA+

AA

A

Average Full Coverage Yearly Premium

$2,206

$4,519

$1,800

$2,335

$2,159

Discount Rating

4 stars

5 stars

5 stars

5 stars

4 stars

Car Insurance Companies Near Me

300 Moenave Rd, Tuba City, AZ 86045

(928) 288-0484

No website found

345 US-160, Tuba City, AZ 86045

(928) 283-5394

No website found

Tuba City, AZ 86045

(928) 283-5494

No website found

US-160, Tuba City, AZ 86045

(928) 283-4622

No website found

Tuba City, AZ 86045

(928) 283-5601

No website found

110 Edgewater Dr, Tuba City, AZ 86045

(928) 283-4678

No website found

Comparing the Best Car Insurance Companies Nearby

Comparing Tuba City auto insurance companies is essential for finding the best coverage at an affordable price. Arizona drivers should consider factors such as financial strength, customer service ratings, and discounts offered when evaluating different insurers.

The Arizona Department of Insurance provides a helpful tool for comparing car insurance rates from different providers. This online calculator can help Tuba City drivers quickly compare the cost of various policies side-by-side to find the best deal available. Additionally, Arizona residents can take advantage of additional savings by bundling their home and auto policies with one insurer or taking advantage of any discounts they may qualify for.

Ultimately, comparing Tuba City car insurance companies is key in order to ensure you get the most comprehensive coverage at an affordable rate.

Average Annual Premium Increase & Savings per Driving Infraction

How Driving Infractions Increase Insurance Premiums

A driver’s record plays a major role in determining the cost of their car insurance in Tuba City. Driving infractions, such as DUI/DWI, speeding tickets, and at-fault accidents can all lead to higher premiums. Arizona insurers take past driving violations into account when setting rates for drivers, so even a seemingly minor traffic violation can affect your rate significantly.

It is important for Arizona drivers to be aware of how driving infractions can increase their insurance premiums and understand the steps they need to take to avoid them. Arizona also has a point system in place where each violation carries with it points that accumulate on a driver’s record over time. If the accumulation of these points surpasses certain thresholds, Tuba City drivers may face the suspension of their driver’s license.

By avoiding driving infractions and remaining compliant with Arizona traffic laws, Arizona drivers can keep their premiums low and avoid potentially serious consequences.

How Arizona Residents Can Get Discounts on Their Auto Insurance

Arizona residents have access to a variety of discounts that can help them save money on their car insurance premiums. Many Tuba City insurers offer discounts for safe drivers, good students, and those who bundle multiple policies with the same insurer. Additionally, some Arizona insurers offer reduced rates for members of certain professions or organizations.

It is important for Arizona drivers to speak with their agents about any discounts they may be eligible for in order to ensure they are getting the best rate possible. Additionally, Tuba City drivers should ask their agents about any other discounts that may be available in order to maximize potential savings.

By taking advantage of the various discounts offered by Tuba City auto insurers, Arizona residents can save money on their car insurance coverage and get the protection they need at an affordable price.

Average Annual Vehicle Insurance by Credit Score

Does Credit Score Matter When Getting Cheaper Quotes?

Arizona insurers are likely to take into account an applicant’s credit score when determining their automobile insurance premiums. A good credit score can help Tuba City drivers get access to cheaper insurance quotes, while a poor credit score could result in higher rates. Arizona insurers may use a variety of different criteria to determine an individual’s risk profile and set the appropriate rate for them.

It is important for Arizona drivers to maintain a good credit score in order to get access to better car insurance rates. Tuba City residents should review their credit report annually and dispute any errors they find in order to ensure that their scores accurately reflect their financial history and behavior. Additionally, Arizona drivers should always pay their bills on time and avoid taking on more debt than they can afford in order to maintain a good credit score.

Average Monthly Car Payment Plus Insurance in My Location

Don't Forget The Total Monthly Cost of Your Vehicle

It can be easy to forget about the total monthly cost of a vehicle in Tuba City when purchasing a car. While Arizona drivers may focus on the purchase price and insurance rates, they should also keep in mind that their vehicle will incur additional costs such as fuel, maintenance and repairs. Arizona drivers should budget for these extra costs, as well as any registration or title fees they may need to pay.

Additionally, Arizona residents should factor in their daily commute when selecting a car. An efficient car is often cheaper to own in the long-run than one with poorer mileage due to lower maintenance and fuel costs. Tuba City drivers should do their research before investing in a car and look for models that offer both good value for money and a reliable driving experience.

By considering the total monthly cost of a vehicle, Arizona drivers can make a more informed decision when selecting their car and ensure that they are getting the best value for money. Tuba City drivers should also consult with their auto insurance agent to confirm they have the right coverage in place before hitting the road.

Compare vehicle costs and car insurance rates across various cities within your state, such as the following 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 in order to gain a more comprehensive understanding of the average costs and potential savings. By doing so, you can identify any discrepancies between total costs and better evaluate your current vehicle purchase and insurance plan. This can also provide insight into factors that may affect total costs, such as local crime rates, population density, and frequency of natural disasters.

How to Save on Car Insurance in Your Zip Code

Full Coverage vs Liability Only Insurance in Arizona

Arizona drivers should consider the type of auto insurance coverage that best meets their needs when selecting a policy. Arizona drivers who are financing or leasing their vehicles may be required to carry full coverage insurance, which usually includes comprehensive and collision coverage as well as liability protection. Tuba City drivers who own their cars outright may just opt for liability-only insurance, which provides protection in case of an at-fault accident but does not cover damage to the driver’s own vehicle.

It is important for Arizona drivers to speak with an agent and review available policies in order to select the right plan for them. Arizona drivers can also take advantage of discounts offered by many insurers, such as safe driver discounts and multi-policy discounts, in order to get access to cheaper premiums. Tuba City drivers should look around and compare quotes before making a decision in order to ensure they are getting the best deal possible.

State Auto Insurance Minimums in Arizona

Arizona drivers are required to carry a minimum level of auto insurance coverage in order to drive legally. Arizona requires all motorists to have bodily injury liability coverage with a minimum limit of $15,000 per person and $30,000 per accident, as well as property damage liability protection with a minimum limit of $10,000. Arizona also mandates that all vehicles be covered by uninsured/underinsured motorist (UM/UIM) Bodily Injury liability insurance. Arizona does not require drivers to purchase additional coverages such as comprehensive or collision, but some lenders may require borrowers to maintain full coverage on their vehicle if it is being financed or leased. Tuba City drivers should consult with an agent about their specific needs before selecting a policy.

Car Insurance Discounts in AZ

Arizona drivers can often qualify for various discounts when purchasing auto insurance coverage. Arizona insurers offer a wide range of discounts, including multi-policy and safe driver discounts. Tuba City residents who keep their driving record clean and maintain good credit scores may also be eligible for additional savings. Arizona drivers should ask their insurer about available discounts so they can get the most out of their policy.

Overall, Arizona drivers should take the time to compare policies and look for ways to save on car insurance coverage. Arizona drivers should also make sure that they have sufficient coverage in place in order to protect themselves financially and abide by state law. By understanding their car insurance options, Tuba City drivers can ensure they are getting the best possible value for their money.

Getting Coverage for Teenagers in AZ

Arizona parents who are adding a teenager to their policy should consult with an auto insurance agent in order to find the best coverage options. Tuba City teens must be listed as either primary or secondary drivers on a parent’s policy and will usually require additional protection due to their inexperience behind the wheel. Arizona insurers offer discounts for good students, and Arizona parents may also wish to consider usage-based coverages such as pay-per-mile or telematics programs in order to get the most affordable rates for their teenage driver. Arizona parents should understand all of their options before selecting a teen auto insurance policy so they can ensure they are making the right decision for both themselves and their teen driver.

Car Insurance for Seniors

Arizona seniors may qualify for special discounts or programs when purchasing auto insurance coverage. Arizona insurers offer a variety of policy options such as pay-per-mile and telematics programs that can help Arizona seniors save on their premiums. Tuba City seniors should also look into age-based discounts, multi-policy discounts, and safe driver discounts in order to get the most value out of their policy. Arizona seniors should speak with an agent about their specific needs before selecting a car insurance plan in order to ensure they are getting the right protection at an affordable price.

Do I Need SR-22 Insurance in Arizona

Arizona residents who are determined to be high risk drivers may be required to purchase an SR-22 policy in order to restore their driving privileges. Arizona SR-22 policies provide proof of financial responsibility and will remain in effect for three years. Arizona drivers should consult with an auto insurance agent about their specific needs before selecting a policy, as Arizona insurers have different rules and regulations regarding SR-22 coverage. Tuba City drivers should also make sure they maintain their SR-22 coverage throughout the three-year period or else they may face additional penalties from the state.

Drivers License Requirements in Arizona

Arizona drivers must hold a valid Arizona driver’s license in order to legally drive in the state. Arizona residents who are 18 years of age or older can obtain an Arizona driver's license by passing written, vision, and driving tests. Arizona teens between 16 and 17 years old may be eligible for a graduated driver’s license if they meet certain requirements. Arizona residents must also possess a valid car insurance policy before they can apply for their driver's license. Tuba City drivers should check with the Department of Motor Vehicles to ensure that they have all the necessary paperwork and documents before applying for their license.

Is Car Insurance Mandatory in Arizona

Arizona requires all motor vehicle owners to carry a minimum amount of car insurance coverage. Arizona drivers must possess at least $15,000 per person and $30,000 per accident in bodily injury liability as well as $10,000 in property damage liability. Arizona drivers should consider purchasing more than the minimum amount of coverage so that they are adequately protected from potential financial losses due to auto accidents. Tuba City residents who do not have valid car insurance may face fines or other penalties under Arizona law.

Should I Increase My Deductible?

Arizona drivers should consider increasing their deductible in order to get the most affordable auto insurance rates. Arizona drivers who are willing to pay more out-of-pocket for a claim may be able to reduce their premium costs by raising their deductibles. Arizona drivers should weigh the pros and cons of this option before selecting a deductible in order to ensure they are making the right decision for both themselves and their budget. Tuba City drivers can also speak with an agent about other ways they can save on car insurance premiums so that they can make the best choice for their specific needs.

Benefits of Using a Local Agent or Broker Near Me

Arizona drivers can benefit from using a local auto insurance agent or broker when purchasing car insurance. Arizona agents and brokers are knowledgeable about Arizona’s regulations and can help Tuba City residents choose the right coverage for their needs at an affordable price. Arizona agents and brokers can also provide additional discounts not available online and help Arizona drivers with the claims process should they need to file a claim in the future. Arizona residents should speak with an agent or broker before selecting a policy in order to ensure they get the best coverage at the most affordable rate.

Shopping for Car Insurance Places Near Me

It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Tuba City, Arizona. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10.

Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.

Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Tuba City, AZ.

Is Bundling Auto and Homeowners Insurance Really Worth it?

Bundling auto and homeowners insurance in Tuba City promises potential savings and convenience by combining both coverages under a single policy. The advantages of bundling include potential cost reductions and streamlined management. Tuba City insurance companies often offer discounts to policyholders who bundle their auto and homeowners insurance, resulting in noticeable savings. This consolidated approach simplifies paperwork, provides a single point of contact for inquiries and claims, and streamlines payments. However, it's crucial to evaluate the coverage and terms of the bundled policy to ensure they align with your specific needs. Bundling may limit your flexibility to choose different providers and access specialized coverage options.

While bundling auto and homeowners insurance offers cost savings and convenience, it's important to consider individual circumstances and insurance requirements. Factors such as location, asset value, driving record, and home characteristics can influence the cost and coverage of the policies. For example, check out the different rates of each of these locations numbered 1, 2, 3, 4, 5, 6, 7, 8, 9, and 10. Assessing potential benefits against specific needs will determine whether bundling is truly worth the savings. Comparing quotes, reviewing policy details, and considering alternatives are essential steps to ensure you have the right coverage in Tuba City at the best price. Ultimately, making an informed decision will lead to a suitable insurance solution.

What to Know About Tuba City, Arizona

Tuba City is a census-designated place located in Coconino County, Arizona, within the Navajo Nation. Here is an overview of Tuba City:

History:

Tuba City's history dates back thousands of years, as it has long been inhabited by Native American tribes, including the Navajo, Hopi, and Paiute. The town takes its name from a Hopi leader, Chief Tuuvi, who was known for his hospitality and leadership. In the late 1800s, Tuba City became a trading post for the Navajo people, facilitating trade with settlers and other tribes. Today, it remains an important hub within the Navajo Nation.

Demographics:

Tuba City has a population of around 8,611 residents, with a majority of the population being Native American, primarily Navajo. The town also has a significant Hispanic and White population. Tuba City's demographics reflect the diverse cultural heritage of the region, with a strong influence of Native American traditions and customs.

Unique Characteristics:

Tuba City is known for its stunning natural beauty, with the surrounding landscape featuring red sandstone cliffs, mesas, and canyons. The town serves as a gateway to the nearby Navajo National Monument and the Grand Canyon, attracting visitors interested in exploring the region's natural wonders. Tuba City is also home to the Western Navajo Fair, an annual event that celebrates Navajo culture through traditional dances, arts and crafts, and tribal ceremonies.

Additionally, Tuba City is a center for healthcare within the Navajo Nation, with the Tuba City Regional Health Care Corporation providing medical services to the local community and surrounding areas. The town also has a strong sense of community, with residents coming together to celebrate cultural events and support one another.

Overall, Tuba City is a unique and vibrant community that showcases the rich history and cultural heritage of the Navajo Nation, while also offering access to the stunning landscapes of northern Arizona.

Cost of Living in Tuba City, Arizona

Tuba City, Arizona, is a small town located within the Navajo Nation reservation in northern Arizona. The cost of living in Tuba City is generally lower than in larger cities, but it can vary depending on various factors such as housing, utilities, transportation, and other expenses.

Housing costs in Tuba City are relatively affordable compared to major cities in the United States. The average rent for a one-bedroom apartment in Tuba City is around $600 to $800 per month, while a three-bedroom house can range from $800 to $1,200 per month. Homeownership is also relatively affordable, with the median home price in Tuba City being around $150,000 to $200,000.

Utilities in Tuba City can vary depending on the size of the home and usage habits. The average monthly cost for utilities, including electricity, water, heating, and cooling, can range from $150 to $250 per month. Internet and cable services can cost an additional $50 to $100 per month.

Other expenses in Tuba City, such as groceries, transportation, healthcare, and entertainment, are generally in line with national averages. A gallon of milk may cost around $3, a loaf of bread around $2, and a dozen eggs around $2.50. Gas prices in Tuba City are typically slightly higher than the national average.

Overall, the cost of living in Tuba City is moderate compared to larger cities in the United States. Residents can enjoy a lower cost of housing and utilities while still having access to essential services and amenities. However, it's important to consider individual circumstances and lifestyle choices when budgeting for living expenses in Tuba City.

Car Insurance Rates in Tuba City, Arizona

Car insurance rates in Tuba City, Arizona, can vary based on several factors such as age, driving history, type of vehicle, coverage levels, and the insurance company. On average, car insurance rates in Tuba City can range from around $800 to $1,500 per year for a typical driver with a clean driving record.

Factors affecting car insurance rates in Tuba City:

1. Age: Younger drivers, especially those under 25, typically pay higher insurance rates due to their lack of driving experience and higher risk of accidents.

2. Driving History: A clean driving record with no accidents or traffic violations can lead to lower insurance rates, while a history of accidents or citations can result in higher premiums.

3. Type of Vehicle: The make and model of the car can impact insurance rates. Expensive or high-performance vehicles may cost more to insure due to higher repair or replacement costs.

4. Coverage Levels: The amount of coverage you choose, such as liability, comprehensive, and collision coverage, will affect your insurance rates. Higher coverage levels will result in higher premiums.

5. Deductible: The deductible is the amount you pay out of pocket before your insurance coverage kicks in. A higher deductible typically leads to lower premiums, while a lower deductible results in higher premiums.

6. Location: Tuba City's location in Arizona may also influence insurance rates. Factors such as the frequency of car theft, vandalism, and weather conditions can impact premiums.

7. Insurance Company: Different insurance companies have varying pricing models and discounts, so it's essential to compare quotes from multiple insurers to find the best rate.

To get the most accurate car insurance rates for Tuba City, Arizona, it's recommended to contact local insurance providers and request personalized quotes based on your specific circumstances. Additionally, maintaining a clean driving record, bundling policies, and asking about available discounts can help lower your car insurance premiums.

Finding Affordable Car Insurance in Tuba City, Arizona

Finding affordable car insurance in Tuba City, Arizona, can be challenging, but there are several tips and strategies you can use to help lower your premiums:

1. Compare quotes: Shop around and get quotes from multiple insurance companies to compare prices. This will help you find the most affordable option for your specific needs.

2. Consider local insurance providers: Sometimes smaller, local insurance companies can offer better rates than larger national companies. Look for insurance providers that specialize in serving the Tuba City area.

3. Look for discounts: Many insurance companies offer discounts for various reasons, such as safe driving records, bundling multiple policies, being a student or senior citizen, or having certain safety features on your car. Make sure to ask about any discounts you may qualify for.

4. Opt for a higher deductible: By choosing a higher deductible, you can lower your premium costs. Just make sure you have enough savings set aside to cover the deductible in case of an accident.

5. Maintain a good driving record: Safe driving habits can lead to lower insurance premiums. Avoid accidents and traffic violations to keep your rates down.

6. Consider the type of coverage you need: If you have an older car, you may not need comprehensive or collision coverage, which can be more expensive. Evaluate your coverage needs and adjust accordingly.

7. Improve your credit score: In many states, including Arizona, insurance companies can use your credit score to determine your rates. Improving your credit score can help lower your insurance premiums.

8. Drive less: Some insurance companies offer discounts for low-mileage drivers. If you don't drive often, inquire about these types of discounts.

9. Ask about usage-based insurance: Some insurance companies offer programs that track your driving habits and adjust your rates based on how safely you drive. This can lead to lower premiums for cautious drivers.

By following these tips and strategies, you can increase your chances of finding affordable car insurance in Tuba City, Arizona. Remember to regularly review your policy and compare quotes to ensure you are getting the best deal possible.

Local Considerations in Tuba City

When it comes to car insurance in Tuba City, Arizona, there are several unique local considerations to keep in mind:

1. Weather Conditions: Tuba City is located in northern Arizona and experiences a semi-arid climate with hot summers and cold winters. In the winter, the area can see snow and icy road conditions, which can lead to an increased risk of accidents. It's important for drivers in Tuba City to have comprehensive coverage that includes protection against weather-related damage.

2. Driving Habits: Tuba City is a small town with a population of around 8,600 people, according to the 2010 census. The area is primarily rural, with limited public transportation options, so most residents rely on their cars for transportation. As a result, there may be more miles driven per person compared to urban areas, which can increase the likelihood of accidents. Drivers in Tuba City should consider higher liability coverage limits to protect themselves in the event of a serious accident.

3. Legal Requirements: Arizona state law requires all drivers to carry a minimum amount of car insurance coverage, including $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $15,000 in property damage liability coverage. In addition, drivers in Tuba City should consider adding uninsured/underinsured motorist coverage to protect themselves in case they are involved in an accident with a driver who does not have insurance or sufficient coverage.

Overall, drivers in Tuba City should carefully consider their car insurance needs based on the unique local factors, including weather conditions, driving habits, and legal requirements, to ensure they have adequate protection in place.

Conclusion

Living in Tuba City, Arizona offers a unique experience with its rich Navajo culture, stunning landscapes, and outdoor recreational opportunities. However, due to its remote location and limited public transportation options, owning a car is essential for getting around and accessing basic amenities.

Car insurance is crucial for residents of Tuba City to protect themselves and their vehicles in case of accidents, theft, or other unforeseen events. Given the long distances between destinations and the potential risks of driving in rural areas, having adequate car insurance coverage can provide peace of mind and financial protection. It is important for residents to research and compare different insurance options to find a policy that meets their needs and budget while complying with Arizona's legal requirements.

In conclusion, living in Tuba City, Arizona necessitates owning a car for mobility and convenience, making car insurance an important consideration to safeguard against potential risks on the road.

The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.

Meet our car insurance expert, Andrew Brown. With over 20 years of experience in the insurance industry, Andrew has become an authority in the world of car insurance. Throughout his career, he has helped countless individuals and families find the right coverage for their unique needs and budget. With his in-depth knowledge of the industry, Andrew is dedicated to providing helpful tips, advice, and insights to empower drivers to make informed decisions about their car insurance.

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