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Captain Mog
Jun 17, 2011
Why do auto insurance policies seem so... random? I was in a serious (almost car totaling) at-fault accident in January, got a ticket in May for making a rolling stop at a stop sign, and am a 20 year old male and my insurance is still lower than my female friend with a clean driving record(same company). I was terrified they were going to drop me and I'd have to have high risk insurance, but I guess I was lucky? Not that I'm complaining, of course, just curious as to how you guys come up with these numbers.

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