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damn chromaplast,
your insurance company is making you bend over like a little b***ch. i would defintely shop around some more. do you have a lot of tickets or accidents on your record? here's my coverage:

paying $500 for full coverage/$100k/50k/$300k

male/24/no tickets or accident/live in cali

got my insurance thru Geico. check them out..
 
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