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As someone who works in the insurance industry, I'll put my 2 cents in this thread.
First of all, there is no such thing as full coverage. Common misnomer, what you have are coverages. Is there really such a thing as full coverage? Can the insurance company really cover you for anything and everything out there? The short answer is no, so look up what type of coverages before some doofus gets mad at their insurance company cause they won't put you into a rental because you thought you had "full coverage".
To the OP, if you want a lower premium, lower your limits of the coverages. Most people who have a the usual limits are 100/300 Bodily Injury, 50k for property damage. I would get rid of uninsured motorist property damage if you have it, because your collision/comp will cover that but you need to pay your deductible. You can elect to get rid of uninsured motorist bodily injury if you have health insurance.
Hopefully this helps you.
Feel free to PM me if you have any other questions.
BTW- I think your agent is pulling your strings. Best thing for you to do is call the insurance companies yourself to get quotes.
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