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What strategies might you implement to lower your insurance costs, while at the same time minimizing the risks involved in lowering such coverage? For example, in the area of health insurance, ask whether you are a smoker. In the area of auto insurance, how could your driving habits change?

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Solution Preview

Some strategies that an individual might implement to lower their insurance costs are:

Request higher deductibles- increasing the deductible from $200 to $500, could decrease the cost of the collision and comprehensive coverage by 15 percent to 30 percent. By 

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