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Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy. Take Advantage of Discounts. You'd bring your car to the Service Center on Ruffin Road—it's a faster, easier way to get your car repaired . You'd drop off your car and in just a few minutes, be back on the road in a rental. and switched over to Geico because they were $20.00 less and then they ended up charging me $101.12.