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Maybe if Geico spent less money on advertising their rates would actually be reasonable.
i've always been able to find someone else to offer insurance cheaper by shopping around after a couple of years even with all the "multiple policy, good driver, no accident, blah blah discounts".
Someone else will want the business for a couple of years and then start the cycle all over again.
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Cheap LED light bulbs cost more upfront -- between $8 to $10 apiece -- but begin to pay off within 18 months.
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