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Words such as "premium" and "deductible" may be foreign to some people. Many of us do not really understand the terminology thrown at us by big insurance companies. So how do you effectively compare and receive the best rates if you do not understand the language? Understanding all involved factors when it comes to auto insurance coverage is the first and most important step to ensuring that you have the correct coverage for your individual needs.


Many may wonder how their auto insurance quotes will be affected based on whether they opt to buy or to lease a vehicle. The truth is that there is not really a difference between the two options when it comes to auto insurance quotes. Insurers are concerned, primarily, with the state of your driving record and the specific type of vehicle you want to insure. Rates are based on what risk you pose to them as a driver and the amount they may have to pay out if you are in an accident. They are not concerned with whether you have leased or purchased the vehicle, as they will have to insure it the same way, regardless of ownership status.