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Insurance has many moving parts. Amount of liability coverage, uninsured motorist coverage, deductible amounts, driving history (tickets), accident history, zip code you park the car in, how many miles you drive per year, value of car, medical payments, number of vehicles insured, etc.
The key is to get coverage that insures you for your risks and how you want to be covered. If you want to get any insurance bill down, you simply have to buy less insurance, have higher deductibles, and drive less.
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