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NO wrong way to do it. you will never get the "same rate" as you would as an unknown. PERIOD. you are likely going to have to change companies or at the MINIMUM call other companies for quotes (DO NOT use online quotes they are always 2-3 times higher than what you CAN get geicho wanted to charge me $700..... PER SIX MONTHS versus the $400 a year I am paying now. Yeah I laughed at them.
this way at least you have a REAL target price to argue with them over.
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