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Getting quotes from multiple insurance companies seems like an obvious starting point. Yet I must confess to having purchased car insurance in the past without comparison shopping. Call it inertia. I stuck with the same carrier I’ve used for years. My wife might call it laziness.

You might be surprised, however, by how much premiums can vary. As part of a study of car insurance in California, my team compared auto rates for various hypothetical drivers. In one case, the quotes for an identical policy ranged from $504 a month up to $1,488.

 

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