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That's right! Insurance companies submit their rules and rates to each states insurance department. The state insurance department reviews the rules and rates and decides whether they are acceptable or not. Once the rates are accepted by the state there is no changing them and no negotiations. The only thing that will change the price are the rules that were determined in advance, such as age, gender, driving record, etc. Every insurance companies rules are different which is why the price can vary so much. The best way to get the cheapest car insurance is to simply check with as many insurance companies as you possibly can. Back to the Cheap Insurance homepage.
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