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RE: Many Americans are often overpaying for insurance (probably)
I was able to cut premium on homeowner by 40-50% by switching insurance companies, and save almost 40% bundling car insurance with my girlfriend (our combined cars was 60% of insuring each car separately). Free market seems to work only when making a switch!
Indeed - sounds like getting a good deal on cable TV. Take the equipment back and "cancel". Magically you get a great deal to come back.