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A good driver means:

Have no accidents or violations in the last 3 years.

Don't have a DUI.

Don't need an SR22.

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Some insurance companies charge a fee for each monthly payment if you do not pay in full for the policy.

An installment payment service fee usually covers the cost of processing your payment on a monthly basis. To avoid paying this monthly service fee, you can pay in full when you buy your auto insurance policy.