The price of purchasing and maintaining an auto insurance policy is unavoidable for many motorists. It's not uncommon for a state to require that all resident vehicle owners maintain an automobile protection plan of some form or another. Having a policy whether required by law or not, however, is almost always recommended. In order to make coverage more affordable, many motorists find that it's easier to distribute the cost of a policy by making monthly payments. This method is particularly effective for individuals that may only be able to find expensive coverage because of poor driving records.

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