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I was like you for 20 years. Just write the check yearly and never ask questions. After we got married, she started to tie up loose ends and shake thing up a little. We discovered that AAA was the cheapest and we saved 2000 bucks a year over State Farm. other then that, I have nothing else for you. I hear Geico is horrible when it comes to payout, according to a friend who had his car totaled.
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