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Brand new customers are often treated better than loyal customers. Insurance companies do not reward loyalty. They are always offering better deals for the NEW people.
Just like a cable company, cell phone company, etc. Even today, gym memberships, etc. will offer a very special program, but the small print says, "Not available to current members."
It is because they already have you, lock, stock, and barrel.
If you don't shop the market, at least every two years, you are at a tremendous disadvantage. The insurance companies are loyal to one thing – the DOLLAR. And they want new clients, always. The ones they've already got, they'll continue to raise the rates faster.
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