I'm not an expert in insurance, but I know that the competition for car insurance has been really strong in recent years (thus all of the commercials). The rates on all of the companies are dropping.
A lot of times a company's rates will drop, but they don't apply it for current members. That's why it's always good to get a quote online from your current insurance company to see if it's lower than what you're paying. If it is, call them up and tell them, most will drop your rate on the spot.
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