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By M B. Abbott

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A floater is most often used to cover expensive jewelry, furs, musical instruments, computers, printers, fax machines, and the like. INSURANCE PREMIUMS: The payments, usually made on a regular periodic basis, that a policyholder must make to an insurance company in order to own her policy. VARIABLE EXPENSES: Those household expenses that can be changed (either increased or decreased), such as restaurant dining, travel, entertainment, and luxury items. org. pueblo. html). ” —SHAKESPEARE, HAMLET, ACT I, SCENE 3 Sometimes we simply run out of cash.

Savings: Up to 20%. 12. DRIVE A LOW-PROFILE CAR. Hot models, all sports cars, and luxury numbers cost much more to insure than the more pedestrian models, principally because they have higher theft rates. org. 13. GET THE RIGHT DEVICES. org/drive) about its driver safety program for people of all ages, members and nonmembers. BUTTONING DOWN: THE FRUGAL BUDGET 45 • Airbags • A wheel-locking device • A security alarm • An ignition cutoff system 14. GIVE YOURSELF CREDIT. Your credit score can play a role in set- ting your auto insurance premium in many states.

13. GET THE RIGHT DEVICES. org/drive) about its driver safety program for people of all ages, members and nonmembers. BUTTONING DOWN: THE FRUGAL BUDGET 45 • Airbags • A wheel-locking device • A security alarm • An ignition cutoff system 14. GIVE YOURSELF CREDIT. Your credit score can play a role in set- ting your auto insurance premium in many states. If you’re a good credit risk, insurance companies figure you’re a better insurance risk, too. If you’ve had some problems with your FICO credit score but have recently managed to raise it, tell your insurer.

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