Logbook Loans Decrease your premium by having a tracker, alarm or immobilizer in your vehicle. Theft prevention on your car will make a big difference in your premium. Lower insurance rates are available to owners with less frequently stolen models of cars.A great tip for auto insurance is to get 100/200/100 level coverage for liability if you have a good car with a few assets to protect. Make sure the amount of liability coverage you have is enough to meet state requirements.

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