In the case of Michelle and her husband, Ramsey and Cruze suggest they get a loan from a credit union to pay off the two cars and then sell them — even at a loss — and then each buy a used $5,000 car.
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Today on the Money blog, Sky News' consumer hub, our regular weekend long read looks at the question your car insurer will never answer - does your premium really go up after you've made a claim?
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