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They will probably take your history into account also. I got hit with a pretty large speeding ticket (25 over in a 75) and USAA didn't increase my rates didn't move. I had a clean record right up to that point though. Also the CSR's there are great. That's been said before but it bears repeating.
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"People are always blaming their circumstances for what they are. I don't believe in circumstances. The people who get on in this world are the people who get up and look for the circumstances they want, and, if they can't find them, make them." -George Bernard Shaw
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