Real Money-Saving Auto Insurance Tips For Real Drivers

You need auto insurance if you own a car. There are many different variations of coverage included in your policy.

Cut back on the number of miles you drive every year, and you’ll cut down on your premiums. Most insurance companies will actually decrease the amount of your premium by decreasing the number of miles you drive.
You need to understand coverage types before you need car insurance. There can be many factors involved with the cost of insurance. If you cause an accident that results in the death or bodily injury of another person, bodily injury liability will cover all legal costs and injury claims.

Make sure to check insurance costs when you are purchasing a new vehicle. Your insurance agent can let you know what vehicles have the best premiums. You can save on your car insurance policy by choosing a model with a very good safety rating.Most states require you to carry appropriate auto liability insurance for drivers. You need to be aware of the insurance policies you are required to have. You will break the law if you drive uninsured.

Avoid letting your insurance coverage lapse to keep your rates lower. You can create gaps in coverage if you jump from one insurance carrier or policy to another one. Your insurance company will raise the rate charged once they discover these lapses.Your chosen vehicle will strongly affect the number one influencing factor on your auto insurance payment. If you want to save as many dollars as you can, drive something modest modest vehicle.

You can get a better premium rate if there is only one person listed as the registered driver associated with each car.

When signing up for your auto insurance, remember that only the person named on the policy will be insured unless otherwise specified. Many drivers lend their car out to a friend, but the insurance will not pay. You could always pay more for insurance so other drivers using your car.Trade in your sports car for a more insurance friendly. Sports cars cost you a lot more to insure. Sports cars are a hot target for thieves because they are stolen more often than other cars.

Think about taking some coverage from your automobile insurance. For example, some policies include collision insurance; if you have an older vehicle that is not worth very much, you may not need to pay for collision insurance. You can save a significant amount of money by eliminating unnecessary coverage. You can also consider dropping your comprehensive and liability coverage.

Take the time to go over the list of discounts completely, and analyze whether you are eligible to save a bit of money. You may be shocked at how you can lower your insurance bill.This is something you will really want to consider since it increases the price of your policy. This type will protect you should a driver without insurance be at fault for an insured driver hits you.

It can be difficult to pinpoint the correct amount of auto insurance you actually require. If you have large amounts of money saved up, you should buy more liability coverage. If you do not have adequate coverage, insufficient liability coverage could drain your assets. It is very important to make sure you carry enough insurance coverage and be safe.

Consider how much monthly insurance rates will be before purchasing a new car. Auto coverage offered by insurance companies can be less expensive on a better rate for cars that are newer and equipped with more safety features. You should always include this expense as a part of your budget whenever you purchase.

100/200/100 level liability coverage is a great thing to include in your auto insurance policy if you have an expensive car.

The amount of your deductible is. Remember that you will have to pay a higher amount if you get into an accident. You may want to consider setting up an account to cover this difference in case anything happens.

Getting 10% or more off your insurance is a nice bonus.

You should maintain accurate records of the insurance bills you have paid. This proof is important in case there is a dispute with your insurance provider, as you now have physical proof.Be sure to evaluate whether your car insurance policy is correct. Accuracy is very important for avoiding claim denials, and it can possibly save you money. Is the home address correct? Is the type of vehicle, model and year all correct?

Each state has different requirements, but the concepts behind the insurance are virtually the same.

Make sure that any vehicles you no longer own are from your insurance plan immediately after you’ve gotten rid of them. Having any unnecessary cars on your policy can be costly.

Do not automatically accept an offer from your insurer to give you a warranty on your car unless you have researched it first. Most of the time and most garages guarantee their repair work, parts included. Don’t squander your insurance company for coverage you already get elsewhere.You should keep detailed records of modifications or accessories that you have bought and installed in your car. This makes proof will be necessary in case there is damage done to your vehicle or a theft occurs.

Unless a claim is above $25,000, you should avoid filing a suit.

Try driving fewer miles each year to save money. If you are unable to reduce the miles you drive, it may be worth it to buy a cheap second car. It might be less expensive to get insurance for two cars which are not driven often than it is to insure a vehicle that has high mileage.

Car insurance premiums are highly variable between different drivers. This is not entirely due to different driving situations and different vehicles, either. Many people can get coverage that is similar for less. You can save money too if you understand the tips in this article.

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Some factors that affect insurance costs are fixed, and some can be changed. Accepting higher deductibles may lower your cost of insurance. The advice in this article will give you in finding ways to get the answers to lowing your money.Make sure you think about the specific components of your auto insurance. There are many options available, but most of them aren't right for you. If you find that you are involved in many accidents, it may be worthwhile to pay for collision coverage. Try to ride buses or join a carpool. Insurance companies are very happy with responsible, and driving fewer miles is one way to show them.When purchasing car insurance, get quotes from many companies. It is quite surprising just how much insurance rates can differ from one insurance company to the next. Get new quotes every year to ensure you always have the lowest premiums and out-pocket-costs. Make sure this year's quote is for a similar amount of coverage when you're comparing rates. Property damage liability is a very important feature of your auto insurance policy. This type of liability coverage will cover damage sustained in an accident. There are only three states left in America that do not require you to have this as a compulsory item. Insurance rates vary from place to place based on the chances of an accident or theft, and suburbs and rural areas are generally cheaper than cities. Having the right kind of insurance can protect someone should they get into some kind of accident.Consider removing some coverage from your insurance policy that you no longer need. For example, if your car is an old model or simply not worth much, consider removing collision insurance from your plan if possible. You may find that you save a significant amount of money by removing collision coverage. You should also want to consider dropping comprehensive and liability coverages. Ask your insurance agent for a list of the money-saving opportunities their company provides.Insurance against uninsured drivers, as well as damage to your car that happens off the road, is also important.You will want to consider this seriously as it will increase your policy price. This is also the insurance that reimburses you should contact a motorist who has no insurance. If you are unlucky enough to be involved in an accident and need to file a claim with your insurer, be sure to provide ample documentation. It can also be advantageous to keep a camera in your vehicle so that you are prepared for any circumstance.If you complete a driving course after getting into an accident, your insurance company may reduce your rates if you take and complete driving classes. A potential 10% discount on your insurance premium is a great benefit. If you are looking for a low insurance premium, you will need to increase your deductible. A higher deductible means you will be responsible for any repairs needed due to smaller accidents, but you are still protected in the case of total loss or any liability.The most obvious way to save on insurance premiums is not to get into accidents. You can be awarded good driver discounts if you keep out of accidents or receive tickets. Driving recklessly can cost you money. Your premium will lower the more safely you drive. Comb through your policy and make sure that it's accurate. Accuracy can help avoid claim denials and save money. Is the home address correct? Is the vehicle manufacturer, its make, and year all correct?It is important to have a thorough grasp of your state's laws regarding car insurance. Each state has different rules or requirements for auto insurance, so learn these before purchasing a policy. One way you always have to help decrease your insurance costs down is to accept higher deductibles on your policy. Make sure to exclude any vehicles you no longer own are removed from your insurance policy. Having any unnecessary cars on something you don't have or use can add up quickly to the wasted premium being paid.Consider eliminating the car rental option on your policy. If you do not use that feature, there is no reason to pay additional fees. If you want to save money on your policy, remove it. Your insurance plan should cover the full cost of car rentals. This can cause you up to $20 per day more than you normally would. 00 per day while repairs to your car continue.An insurance company can typically drop your coverage within the first 60 days without providing a liability to them as well. The insurance company uses the first 60 days to determine if you are not a too high-risk driver. Such a termination could result in the future. It is absolutely not true that all sports cars necessarily have higher auto insurance premiums. The truth is that only some sports cars have huge premiums. Call your insurance company to discover the car you want.If you are a safe and cautious driver, you must continue to drive carefully. You may be able to qualify for safe driving discounts if you can avoid accidents and tickets altogether. These discounts can save you a bundle and generally increase every year. This also helps to keep your monthly premiums from increasing. Unless the claim is over $25,000 dollars, avoid filing costly law suits with attorneys. As you have read, you can adjust your habits to save money on car insurance. Your location, your driving habits, and how responsibly you drive are all under your control. By understanding how these factors can increase or decrease your driving risk in the eyes of your insurance company, you may be able to reduce your rates.

Never Let Insurance Companies Win! Save Big On Your Auto Coverage Today!

Some factors that affect insurance costs are fixed, and some can be changed. Accepting higher deductibles may lower your cost of insurance. The advice in this article…

Auto insurance policies contain complex wording and complicated terminology. It can really seem to be so confusing at times. This article will help you to better understand all the complicated language your insurance agents throw at you. Understanding what the insurance agents are saying is imperative if you make intelligent policy purchasing decisions. Make sure to check insurance costs when you are purchasing a new vehicle. Insurance agents will be able to research which automobiles have the most economical rates. You won't pay as much on a car insurance policy by choosing a car with a very good safety rating. Most states require liability insurance. You are responsible for knowing what kind of regulations regarding minimum insurance coverage in your state. You will break the law if you have no insurance and get into an accident. When you are shopping for car insurance, get quotes from different insurance carriers and compare costs. There can cause major variations in insurance rates. Get a new batch of quotes each year to ensure the lowest premiums and out-pocket-costs. Make sure these quotes are for the same coverage as last year. Reconsider purchasing costly add-ons for your car that you do not really need. It is better to pay your insurance in one lump sum each year rather than paying monthly basis. Your insurance provider could be adding an additional three to five dollars to your bill. These fees can become significant over time. This can be a burden in addition to your other bills. The fewer payments you have to worry about, the more money you save. Don't take the cheapest auto insurance quote you find. Cheap may be exactly what you need. Insurance rates vary from place to place based on the chances of an accident or theft, and suburbs and rural areas are generally cheaper than cities. Think about taking some coverage items off of your auto insurance. For instance, if your car is an old model or simply not worth much, you may not need to pay for collision insurance. You can save a significant amount of money by eliminating unnecessary coverage. Comprehensive and liability coverage are other things you can look into removing or raising deductibles for. Ask your insurance agent for a list of the money-saving opportunities their company provides. You can often save on your car insurance by bundling it with your other insurance policies. Try to take part in these offers and get a policy for your house and your automobile. Make sure you are getting a good deal and auto or insuring them separately before making the decision to bundle.Insurance companies do not all created equal. If you're not satisfied with the quote you've been given, check out the rates at some other insurance companies before you make your decision. It can be difficult to decide exactly how much coverage you'll need for your auto insurance you actually require. If you own a lot of expensive things, liability insurance is a safe bet. If you are responsible for the accident, you could be personally sued for the difference. It is more prudent to get enough insurance coverage to protect your savings and be safe.In the unfortunate case of an accident that you have to file an insurance claim for, know that insurance companies want a lot of detailed documentation. It can be a camera in the car in case you are in an accident. 100/200/100 level liability coverage is a great thing to include in your auto insurance policy if you have an expensive car. Your credit score also affects your auto insurance. Were you aware that auto insurance companies pull your credit file? The lowest rate doesn't necessarily mean the only thing that should grab your attention when shopping for your car insurance. A good way to save a significant amount of money on your car insurance is to install a security device like a car alarm, a tracker or an immobilizer. Theft prevention on your vehicle will make a big difference in your insurance coverage. Your policy will be lower if you have a safer vehicle.You should always maintain records of the insurance bills you have paid. This proof is important in case there is a dispute with your insurance provider, as you now have physical proof. You will have to pay a lot more compared to someone with a good record, but remember that different insurers may treat you differently. Some insurance companies even help drivers who have a few marks on their record get a good rate.If you want the lowest insurance rate, select a high deductible. A higher deductible means that you will have to pay for repairs required when minor accidents occur, but it will cover losses from accidents where you are at fault. AARP members and credit unions may make you eligible for auto insurance discounts. It is essential to understand the auto insurance requirements of the state laws regarding car insurance. Each state has different rules or requirements for auto insurance. It is vital that you know the different types of requirements before you purchase a certain auto insurance policy.Once a driver in your household purchases their own insurance policy, quickly take them off of your policy to avoid paying extra premiums. For instance, if you have a child that is living with you but buys their own insurance, take him or her off of your policy. The number of drivers in your household has a major effect on the amount if you remove another driver who had accidents and tickets. An insurance company can typically drop your coverage within the first 60 days without providing a liability to them as well. The insurer will take a look at your record to ensure that you are a liability. Such a termination could result in the future.If you want to maintain your low auto insurance premium, you can maintain lower insurance premiums. You may be able to qualify for safe driving discounts if you go without getting a ticket or having an accident for a period of time. These discounts may even grow every year that you go without an accident. This also helps to keep your monthly premiums from increasing. The goal of this article was to help you navigate the world of auto insurance. The key to buying auto insurance is educating yourself.

Ideas To Help You With Making A Decision About Automobile Insurance

Auto insurance policies contain complex wording and complicated terminology. It can really seem to be so confusing at times. This article will help you to better understand…

You need auto insurance if you own a car. You have a lot of different options when it comes to your insurance options. When upgrading your car by purchasing extras or replacing parts, check with your insurance company on how much they will cover if ever your car gets damaged or stolen. Often, your insurance company will not cover the value of aftermarket parts, not the actual cost of the additions.Most states require you to carry appropriate auto liability insurance for drivers. You need to be aware of the regulations regarding minimum insurance policies you are required to have. You will break the law if you drive uninsured. The notion is that car insurance rates for young drivers will drastically decrease as soon as they turn twenty-five. Avoid letting your coverage lapse to help keep your policy rates low. You can have a gap in your coverage when you jump from one insurance provider to another. Your insurance company will raise the rate charged once they discover these lapses.Make sure you think about the specific components of your auto insurance. There are many options available, but it will not make sense for you to use some of them. If you tend to have accidents, you might want to consider taking advantage of collision coverage. You will pay less if there is only one driver for a particular vehicle. When you are shopping around for auto insurance, get multiple quotes. Rates vary wildly from one company to the car insurance world. Get new quotes each year to ensure you always have the lowest premiums and out-pocket-costs. Make sure these quotes are for the same coverage as last year.When you buy car insurance, it is important to keep in mind that they are only insuring the driver of the car that is on the policy. Sometimes, people allow a friend to borrow their vehicles, such as friends and non-household family members will not be covered if they crash your car. You could always pay more to cover other drivers using your car. Do your research on the cheapest car insurance quote that you get. Cheap may say it all, or it could mean you found a great find.Insurance rates vary due to the chances of theft or accident, and in general rural areas and suburbs have lower rates than cities.Having appropriate insurance can protect someone should they ever have an accident.Insurance against drivers who don't have insurance is also important, as well as damage to your car that happens off the road is also important. You might be able to save on your car insurance by bundling it with your other insurance policies. Try to take part in these deals and get a policy for your house and your vehicle in one. Make sure to compare the cost of combining your home and decent coverage; in some cases, two separate insurance policies are still a better choice. Don't buy your teenager a car. Adding a teenager to a family plan is much cheaper. Some companies offer discounts for students that get good student discounts. Always consider the costs of insurance each month. Auto insurance companies can be less expensive on a safer automobile. You must factor in this expense as a part of your budget whenever you are purchasing a vehicle.The website will include a "consumer complaint ratio should check into. This will show you the percentage of complaints for a given provider. Defensive driving courses can be a great and simple way to reduce the cost of your auto insurance rates. You can often find any number of these courses available at driving schools. You will be able to find them online.Your premium may also be reduced if you take any public transportation to commute to work. Try riding with coworkers if you can't do that. You can raise your deductibles to lower your insurance premium. Make sure that any vehicles you no longer own are removed from your insurance policy. Having insurance on your policy can add up quickly to wasted premiums being paid.It is a myth that sports cars automatically cost you more in insurance premiums. The truth is that only a few sports cars have huge premiums. Call your insurer to see what premiums may be on a car you are considering has affordable premiums. You must call the authorities as soon as possible if you become involved in an automobile accident. Police departments have the means of gathering the most relevant facts and what other steps are necessary after an officer guides the involved parties through the process. When you are working with your insurance provider to handle a claim, it is good to have law enforcement in your camp. You should keep a record of everything you do to your car. This is necessary for reports of damage or theft. You may also be aware of your vehicle's theft rate. Even if your vehicle is older but a commonly stolen vehicle, think about comprehensive coverage.This probably won't happen if your driving record is clean and your financial history is stable, but don't discard your prior research in case it does. Car insurance prices vary per person. There are more factors than circumstances and vehicle types. Some people can get better coverage with less money than others. You, too, can get great rates if you learn the ins and outs of auto insurance premiums.

Interesting And Useful Advice For Drivers Of All Kinds

You need auto insurance if you own a car. You have a lot of different options when it comes to your insurance options. When upgrading your car…

Every person who owns a car needs auto insurance. Finding the appropriate car insurance for the right price can present a challenge. You need to factor in your requirements and budget when making a choice. Before you start shopping around, it is important that you know all about insurance and what type you need. This article contains some great auto insurance advice that can help you. A good way to lower the price you pay for your insurance bill is by lowering your mileage each year. Most insurance companies will actually decrease the amount of your premium by decreasing the number of miles you drive.Make sure to research insurance prices before buying a car. You can ask an insurance company or use online resources for information about the vehicles that have great rates. You won't pay as much on your insurance if you buy a model with a very good safety rating. Many states make you must have liability insurance if you own a car. You are responsible for knowing what kind of regulations regarding minimum insurance policies you are required to have. You will break the law if you drive uninsured.What kind of vehicle you buy will strongly influence the cost of your insurance premiums. If you want to save money on insurance, drive something modest yet safe. Think about what type of insurance coverage is needed. While there are a lot of options available to you, some do not make sense. If your car is worth something, however, it may be worth paying extra for collision coverage.Try to ride buses or join a carpool. Insurance companies are very happy with responsible, and driving fewer miles is one way to show them. When you buy car insurance, remember that only you are covered unless you specifically add others to your policy. Many people will let friends drive their car, and if the friend gets in a car accident, only to find that the friend's accident is not covered because they were not listed on the driver's policy. You would have to pay more to cover other drivers using your coverage to allow for this. Trade in your sports car for something more moderate vehicle. Insurance is more expensive for a sports car tends to be quite expensive. Sports cars are a hot target for thieves; therefore, insurance will cost more.You also need to familiarize yourself with the details of a policy, such as the amount of the deductible, the coverage levels, and the benefit limits. You really should take this seriously as it will increase your policy price. This also offers protection if your car is hit by an uninsured driver.Insurance companies are all alike. If you don't like the first quote you get, be sure to check out several competitors, as they all have different prices available. Many insurance companies provide large discounts to people who do not drive less. This makes cutting back on your driving a great option for anyone who wants to save money.If you ever have to file a claim, you should make it a point to thoroughly document everything related to the incident. It pays to always have a good idea to keep a camera with you in the car in case you are in an accident. You should maintain records of all the insurance bills you have paid. This proof is important in case there is a dispute with the insurance provider, as you now have physical proof.Your premium will also be decreased if you use public transportation to commute to work. Try riding with coworkers if you can't do that. In order to qualify for the discount, you are going to have to drive less than 7,500 miles. You might also qualify for a commuter discount if you take public transit to work instead of driving.You might be able to lower insurance premiums by relocating to another municipality or state. Premiums and insurance policies can vary widely depending on your geographic location. You could save tons of money on insurance if you live somewhere else. It is important to understand all state laws regarding car insurance. Every state has its own minimum coverage laws, so be sure to research these requirements.Even though some states have different requirements, the fundamentals of insurance are generally the same. Make sure that any vehicles you no longer own are removed from your insurance policy. Having any unnecessary cars on something you don't have or use can add up quickly to the wasted premium being paid.If a household member buys their own insurance, make sure that you remove that person from your policy so that your premiums are lower. For example, if your child gets their own policy, eliminate them from yours for a lower premium. The number of drivers in your household has a substantial amount if you remove another driver who had accidents and tickets. Consider taking off the car rental option on your policy. You probably never use it, but it is something you rarely use. Removing the car rental coverage helps you save cash on your car insurance, so consider whether doing so is worth the risk.Your insurance plan should be paying for car rental upfront. This policy can cost you up to $20 per day if your car is being repaired. 00 every day while repairs to your car take days or even weeks to repair. It may be tempting to remove your collision coverage in order to lower the price of your insurance premium, but if you cause an accident and have no such coverage, you will be responsible for any damages to your car.This doesn't happen much unless you have a poor driving record or poor credit, but it helps to save the information you collected on other insurance companies while conducting your research in the event that you do need to choose another carrier. As mentioned earlier, before you purchase any car insurance, you should research your options in order to identify the type of insurance that you need. If you have gathered enough data, you can find quality car insurance at a good price. Follow the suggestions here to make sure that you obtain the type of car insurance that you require.

Insurance Tips Whether Or Not You Are Involved In An Accident

Every person who owns a car needs auto insurance. Finding the appropriate car insurance for the right price can present a challenge. You need to factor in…

Auto insurance policies cover more than your vehicle. It is also a protection for you and another car on the road. You want to feel confident that any insurance policy you get fully meets all of everything you're expecting it to. The tips will maximize your auto insurance possible. Make sure your license is clean. If you already have an accident or tickets on your driving record, try lowering your rates and cleaning your record through traffic school.You should have a basic knowledge of insurance coverage plans when you need car insurance. There are many things that come into your final cost of insurance. If you accidentally hit someone, bodily injury liability insurance will protect you financially. Make sure to check insurance costs when you are purchasing a new vehicle. Insurance agents will be able to advise you on a list of cars has low insurance rates. You can save on your insurance policy by choosing a car with a very good safety rating.Most states require you to carry appropriate auto liability insurance when you drive. You need to be aware of the insurance policies you are required to have. You are breaking the law if you have no insurance and get into an accident. Think long and hard about what type of coverage is needed. There are many options available, and it can be confusing having to decide how much you need. If you have a history of accidents, you might want to consider taking advantage of collision coverage.When purchasing car insurance, remember that only you are covered unless you specifically add others to your policy. Sometimes, people allow a friend to borrow their vehicles, such as friends and non-household family members will not be covered if they crash your car. You might have to pay more to cover other drivers using your car. This strategy carries some risks, but if you want to save money each month and have the willpower to put money away to pay a deductible if you are in an accident, you might come out ahead in the end. Your insurance rate will go down with the higher deductible. Ask your auto insurance agent for a list of discounts they offer. Insurance against drivers who don't have insurance is also important, as well as non-accident damage to your cars, like fire or flood, is also important.You really should take this seriously as it will increase your policy price. This also offers protection if your car is hit by a driver without insurance be at fault for an accident you're involved in.If you are in an accident and need to file a claim, your insurance company will be easier to work with if you have the proper documentation. It can also be advantageous to keep a camera in your car to ensure that you are always prepared. 100/200/100 level liability coverage is a great thing to include in your auto insurance policy if you have an expensive car. There you will be able to look up the latest "consumer complaint ratio" for insurance companies in your state. This statistic provides the percentage of an auto insurer's claims that results in complaints.You will be able to obtain lower car insurance rates by improving your credit score. It's amazing to think that any insurance company will run a check on your credit. It can be nice to get a 10% discount on car insurance. If someone doesn't use your car and is on the insurance policy, then you are pretty much just throwing away your money. You will have to pay a greater sum than a driver with a clean record, but keep in mind that insurance companies have different policies. Some even help drivers who have a few bad records get a good rate. This holds true as well if you install these things on an old car. Your premium may also be decreased if you take any public transit system to work. Try carpooling if you cannot use public transportation. AARP or certain credit unions are an example of some of the organizations that you can often qualify for lower rates on auto insurance. To be eligible for this discount, most insurance companies require that you drive less than 7,500 miles per year. You may also get a commuter discount if you take public transportation.When switching insurance providers, you should do it in writing and save a copy for your records. If your phone cancellation does not get recorded correctly and you do not notify anyone of the mistake when another bill comes, you could get your old insurance terminated for not paying the premiums. Having an insurance policy terminated for nonpayment can negatively impact your credit score. Do not automatically accept an offer from your insurer to give you a warranty for parts used for repairing your auto repair parts. Most manufacturers replace defective parts. The repair shop will already offer a warranty in the form of a guarantee, parts included. Don't waste your money and time on something that will just end up being a worthless warranty. Keep extensive records of any extra parts you have installed into your car. This list will be the proof you will need in case there is damage done to your vehicle or theft involved with the car. If your claim is worth less than $25,000 dollars, an attorney and lawsuit may not be in your best interest.Use these suggestions to look at your auto insurance policy. When you look at your policy, you may see certain stipulations you do not like and, thus, need your policy to be fixed.

Protect The Investment You Made In Your Car

Auto insurance policies cover more than your vehicle. It is also a protection for you and another car on the road. You want to feel confident that…

Protect You Car And Your Family With Car Insurance

Protect You Car And Your Family With Car Insurance

You have to have insurance if you own a car. You will have a lot of different options when it comes to your auto insurance. You need…

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