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You have most likely watched the captivating commercials from insurers like Progressive and Allstate guaranteeing huge savings, so drivers just need to pick the company with the best ad, right?

Regrettably, it’s not quite that easy, as there are a whole bunch of unknown factors such as if you own the home you live in, if you have ever had a coverage lapse, and how far you drive each year, that all influence how much you pay for au

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