Auto insurance today isn't as simple as it used to be. Back "in the day" you contacted an agent, he or she put together a policy based on your car, factored in usage and history, and sent you a bill. Sure, they took into account tickets, points on a license, location, and related issues. However, it was based on groups, general assumptions, age, and other broad factors. It wasn't personalized about you and your driving habits.

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