Each insurer does its own math; thats why it pays to compare car insurance quotes. If you like your carrier, review the dozens of discounts it may have available. You could get 10 off or more for things like making good grades, completing defensive driving training or going at least three years without an accident. The same is true with homeowners insurance. Shopping around can save you 10 to 15, as can discounts for things like having a home security system, staying claim-free or being a nonsmoker.
And many insurers offer discounts for buying both car and homeowners or renters policies with them.
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