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+New automotive alternative (as much as 1 year previous and first & only registered keeper). Drivers with black marks on their document: A single ticket or minor fender bender won't make you high-risk, however a number of tickets or a serious infraction - reckless driving or a DUI - definitely will.
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+Drivers not currently insured: If in case you have a license but no insurance, insurance coverage corporations assume you have been driving uninsured and are therefore riskier.
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