*Note: This was written by a Yahoo! contributor. Do you have a personal finance story that you'd like to share? Sign up with the Yahoo! Contributor Network to start publishing your own finance articles. Having proper car insurance is essential to maintaining personal financial health. It's also one of those things that you don't know how good (or bad) it is until you have a claim. If you haven't shopped around for rates lately, you may be surprised at the range of pricing options being offered
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