With a little polite nudge, sometimes you can get lucky and get the car you want at the price you want.
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First and foremost, an understanding of the factors insurance companies take into account when calculating your insurance premium can help you reduce how much it will cost you.
A top range compact car may be better than a low-range standard car.
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If you take out third party or third party, fire and theft insurance you will usually only be covered to drive your own vehicle.
These will be the next most expensive type of cover.