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Well if you always shop around then you should know the answer to your question already...
I think sometimes people forget that insurance companies are a business with the primary goal of making money!. All you need to do is use comparison sites every year and switch to the cheapest. Plus even if my renewal is cheapest (which has never happened) I will still ring them and ask them to if they can reduce it!.
I did ask them to reduce it but they said they can not go any lower!0
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