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The type of car you drive also impacts your insurance costs. For example, a sports car or luxury vehicle generally has higher rates than more reliable vehicles such as sedans and minivans. In some cases, you might be able to save money by removing a driver from your policy or raising the deductibles on physical damage (collision and comprehensive) coverages. However, you should only do this if you can afford to pay the higher deductible in the event of a claim.
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