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insurance - Orchard, IA

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The Risks of Driving in Rural Areas
Once you get out of the state’s urban centers, you’ll see a lot of land, and very few people. To drivers, this might represent unique driving risks with which you might not be readily familiar. Here’s some tips to keep in mind when you get out of town.  ...

What Accidents are Covered Under Comprehensive Coverage?
Among the many coverages available for auto insurance policies, comprehensive coverage is one of the most common yet misunderstood types of coverage. This insurance generally comes as part of a full coverage auto insurance policy, but it is important to know the difference between this coverage and your other available coverage....

How Much Auto Insurance Is Enough?
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How Far Back Do Auto Insurance Companies Look?
Your auto insurance premiums are based on many factors, including your claims history and driving record. Insurers use proprietary algorithms to determine your rates. Many insurers look at your records for the past three to five years.   You may notice a significant difference between quotes from different insurance companies....

The Black Ice Phenomenon
As temperatures dip down during this time of the year, it's not unusual to have black ice on the roadways in many parts of the country, especially in the early morning. This leaves drivers in a difficult and dangerous situation, but there are steps you can take to stay safe.  What is Black Ice?...

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