When it comes to the factors that lead to higher insurance premiums, there are some things that you can control and others that you can’t. But that doesn’t mean you can’t do anything about it. Like the song says, my mama told me you better shop around.

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10 Things That Affect Your Auto Insurance Premiums
http://www.mint.com/blog/how-to/10-things-that-affect-your-auto-insurance-premiums/