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I don't hate them, like any tool in the toolbox, they have their place.
If it were me, I'd reduce the insurance and drive it less. If that isn't an option, carpool with it. Even if you SUV gets a meager 12-15mpg, add three more passengers and you've taken possibly three other cars off the road, for huge net fuel savings. With 4 occupants and no other changes, all of the sudden your all-weather SUV nets 48mpg!
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