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Remember that when you take out a used car loan that you are usually using your house as a guarantee - if you are in unstable employment then it may be worth paying a bit extra for car loan insurance.
A joint appication is often regarded as a safer bet by the lenders as the risk is spread - consider this when making your application.
A lot of car loan companies will try to sell you insurance schemes - indeed some make more from these policies than from the car loan itself - again, make you try to negotiate on these prices.
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