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One thing to watch out for on the cheaper rates is being under insured. When I was 19 and driving a POS it was ok to have 25k/50k bare minimum coverage limits. As I got older and afforded nicer (more expensive) autos I didn't think to increase coverage amounts. Luckily I caught myself before needing it. I now carry 100k/300k limits with a 500 deductible and it really didn't impact my premium. I've been with Geico 20 years and pay $75 a month.
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