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Updated: Wednesday, October 30 2013, 01:21 AM CDT
SAVING YOU MONEY:  Cars & Car Insurance

Stacy Case

   Ever wondered why your car insurance  is so high?   Look first at your credit report.   A new report shows drivers with poor credit scores pay about twice as much as those with great credit. found drivers with poor credit pay as much as 91 percent more.  Drivers with median credit pay 24 percent more.
     Remember the Fair Credit Reporting Act gets you three free credit reports a year.   Experian, Equifax, and Transunion are required to give you this.    Anything below  620 is poor.
   To fix it, pay your car loan and mortgage first, then start whittling away at credit cards.   Steady on time payments will boost your score within a year or two.
     If repair costs are adding up, remember the end of the year is the best time to get deals on new cars.  You'll want to get one that will last   Consumer Reports just named the Subaru Legacy the most reliable mid sized car.   Subaru Forester the most dependable small s-u-v.  The Honda Fit is the best subcompact.   Toyota's Lexus car and s-u-v took top honors in the upscale category.
   Let's wrap with things you should never buy new, that is if you're trying to save money.   Books top that list. You can find used books at stores like Ms Bee's in Hendersonville.  You can also find plenty of used books at online sellers.  Don't forget, books are free to check out or download at your local library.


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