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The concept of insurance is simple. Pay a small monthly premium and protect yourself from the high costs associated with an accident. The monthly premiums consumers pay are supposed to be based off their assessed risk. A 17-year-old male driving a $100,000 sports car in a highly populated city is more of a risk than an elderly female driving the same car in a rural area. Consumers are paying more than they have to because companies have not properly accessed their risk. In just five easy steps, insurerbasic.com can save you time and money by finding you the best deals around.