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Whether you call shotgun on a quick trip to the store, or you join your friend on a trek across the country, your status as passenger gives you limited control over your safety. There are some steps you can take to lower the risk, though. For example, you should avoid...

Umbrella insurance sounds comforting and can be a smart decision for many consumers. It normally works like this: You buy an umbrella insurance policy that broadens the coverage you get from basic policies. So, suppose you get into a car accident, and the bills...