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More experience and an impeccable driving record can reduce your premiums. Novice drivers generally pay more.

Contact the police and your insurer immediately. Provide all the necessary details and documents to facilitate the claim.

Yes, but some insurers offer partial winter suspension options. Check with your insurer.

No, motorcycles require separate insurance from cars.

Generally, yes, but check your policy. Some may have restrictions or require specific mention of passengers.

Take driving courses, opt for a higher deductible, install an anti-theft system, and group your insurance. Compare offers regularly.

Not always automatically. Inform your insurer of modifications and consider additional coverage for accessories.

Liability insurance of at least $50,000 is mandatory, but coverage of $1 to $2 million is recommended.

Generally, yes, for civil liability, but damage to your own home caused by your pets may be excluded.

Most policies include coverage for additional living expenses if you need to relocate temporarily. Contact your insurer immediately.

The amount you pay out of pocket before the insurance covers the rest. A higher deductible generally reduces your premium.

Working from home may require additional coverage. Inform your insurer of your situation.

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