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Rates will vary. There are times where I think USAA can be beat, but I'm not going to fix something that isn't broken right now. They've never let me down.
I was surprised how much my rate increased when I added the FR-S to a policy with an FJ Cruiser already on it. Estimated my mileage to be fairly low as well.
EDIT: Oops. Chris@Phastek. Didn't know my girl was logged in.
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