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In my opinion, my cautious driving exceeds that of many people on the road. The rate of insurance should be a reflection of past driving history. If there is no recorded history, there should be a personalized evaluation that determines the rate of insurance.
There are a handful of circumstances that can lower the cost of insurance. For example, automobile insurance companies often reduce rates after a specific number of years pass without an accident on one's record or when an individual reaches a certain age. I know that some rates differ between states depending on the ratio of accidents documented per year...
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