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While some may think having to pay for insurance every month is dollar bills down the drain, if an incident occurs and you don't have insurance, it can lead to major financial hurdles that may last for years to come. Do you need one if you have a family to pay for? Those premiums are collected by nearly 6,000 insurance companies across the united states. Short of changing career, aging 20 years overnight or simply giving up driving for good, it might at first glance seem hopeless. Because of this, everyone should have insurance.

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