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It is best to make several calls to different insurance companies.
Ask for the rates on $250 dollar deductible and $500 dollar deductibles. This means that you would pay the first $250 on a claim or $500 towards the insurance claim and the insurance company pays the rest of the cost of repair or replacement.
One you find a great price and another you will find the quote two times as much as the great price. SHOP AROUND! |