what I did find once, some years ago, taking out next years insurance before first couple of days in January, was better before rates went up for another year.
And, in any case, car insurance depends on so many specifics its impossible to keep guidance or recommendations to anyone. Though, Chris Knott minimum rates for me are a lot more than I pay now, but I'm sure they're good for some.
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Paul
VOC 90's SPARK
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