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Insurance companies consider you a higher risk, because inexperienced drivers are much more likely to get into accidents. In fact, the risk of motor vehicle crashes is higher among 16- to 19-year-olds than. Make sure you're comparing identical coverages when you're shopping. NCDOI: facebook Twitter YouTube RSS.

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At ENPICA , we have noticed that there is some confusion among our clients regarding whether to request a Certificate of Insurance (COI) or a Declarations page (Dec.

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