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is in the front seat of your car, and is affecting how much you pay for auto. Each beep, I knew, was a demerit that could mean a higher insurance quote. Drivers also get little online merit badges.

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One more drawback to this is that if your car were to get totaled – say, as you drove it off the lot – your collision coverage will most likely not pay enough on the claim to pay off the underlying lo.

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