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As drivers, we must factor car insurance rates into our budgets. It's only natural, therefore, for us to try and make our insurance bill as affordable as possible. Getting an affordable rate means more than just asking your Auto Insurance Discounters agent to find you the cheapest price. READ MORE >>

Drivers who make mistakes can expect to face consequences. These might include small fines, or points on your license. In severe cases, they might lead to an SR-22 penalty. An SR-22 certificate verifies for the state that you have car insurance. However, for your insurer, it might signal that you have a poor driving record. READ MORE >>

As you get older, you're likely not going to use your car as much as you once did. Retirement might not equate to long commutes. And changes in your health restrict your ability road trips. Even when driving short distances, you might not be able to control your vehicle the way you once did. READ MORE >>

Learning to drive means taking on a huge responsibility. Your first few years behind the wheel likely will require considerable discretion. After all, you have a car to take care of, which is an expensive piece of heavy machinery. You also have to ensure others on the road – and your passengers - are protected. READ MORE >>

If you can accommodate guests on your boat, you shouldn't hesitate to invite them aboard. Using your vessel for social purposes is a great way to show hospitality. Yet, offering invitations to others should give you reason to pause. Having guests on your boat means you must assume responsibility for their safety. READ MORE >>

Small boats can have a big impact. Anything from a canoe to a pontoon vessel could mean a lot to your family. These boats are also practical to store and locate, if need be. You can pull your boat out of the water and transport it with a degree of ease that some boaters might not have. READ MORE >>

Running a business that uses multiple vehicles takes a fair amount of oversight. You have to make sure you keep the fleet in good shape. You also have to make sure deliveries get to customers safely. This will involve hiring a team of responsible drivers. Some drivers might use company cars all day, every day. READ MORE >>

Running a small business requires a lot of time and commitment. That might mean being on the road a lot. Many smaller companies find it beneficial to invest in a vehicle that they use for business. In fact, many of them even use their vehicles as convenient sources of advertising. READ MORE >>

Motorcyclists must follow high standards. Each state punishes reckless driving, particularly if the offender has previous citations on their record. Though you might feel tempted to burn rubber, prepare to face the consequences if you do. If you receive charges while on your motorcycle, those will show up driving record. READ MORE >>

As a motorcyclist, you likely know that you need skill to ride safely. Bikes, after all, are two-wheeled vehicles. You'll need to adapt a different mindset than you would while driving a standard car. A bike's speed and maneuverability might lead riders to take unnecessary risks. Don't let this temptation take hold. READ MORE >>

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