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Well, that just has been my experience and it differs from yours I guess. I have good relationship with my insurance and when I did not like what they gave me, I called and talked, they were reasonable to me.
I never switched insurances, been with them since 04. I first got insured when living with parents (going to university), then I got married, bought a place, moved out and tried to see if there are better rates. Dad's friend is an insurance broker and he could not find anything that even compares.
So I guess it varies.
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