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The easiest way to deal with the confusing issue of insuring your cars is to make a single call to any broker or large insurance company, ask for a quote, sign up, and get back to whatever you'd rather be doing. Let it automatically renew every year, and you'll never have to think about it again. The typical life insurance interview makes two assumptions. This is a highly personal decision, not one that can easily be summed up in a rule of thumb. Individual circumstances vary greatly.