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When a financed car is totaled, the insurer pays what the car was worth — not what you owe. Gap coverage exists for the difference, and where you buy it changes the price several times over.
A renewal letter rarely explains the increase. Here is what sits behind a rising homeowners premium, and which of those factors a homeowner can actually do something about.
Rating factors are not a mystery, but the list runs longer than most drivers expect. What insurers weigh when they price a policy, and which of those inputs you can change.
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