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The term 'sea perils' is used by the insurance companies only to accidents or emergencies of the sea. Not only will you be getting exercise and helping the environment, but you'll be saving up to $500 per month. Understanding the difference between comprehensive and collision coverage is one of the more important aspects of auto insurance that is often overlooked by drivers. Accidents -- such as a pet getting bone fractures from a car crash -- are so unexpected and devastating.
Car insurance is purchased to cover losses incurred to your car but only those that actually need to be attended. One of the more expensive of these is the comprehensive part of the policy. Ensure that you don't volunteer any information they don't specifically ask for. The trick is to financially prepare for the possibility of an accident.