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People with really good credit can get amazingly low rates from some companies. If they need my SS# to run my credit to save me $1000 a year, is that so bad? Actually, I've saved more like $1500 a year across all cars. Over the past seven years, that's serious money.
I got a quote from a non-rating company. They couldn't touch it. Everybody has access to the same actuarial information, yet the rates are widely different. What does that tell you about the insurance industry?
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