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Less than some and more than most. Plus you loose the ability to have a local agent that you can see for answering questions and helping you find the best rate. When you can a company like GEICO, they only have one company to give you the prices on and they will try to get you to buy this no matter whether or not it is the best for you. Any independent agent does not work for the insurance company but works for you and will rate many different companies to find you the best rates and coverages.
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