I use USAA (father is a veteran) and they routinely give some of the best quotes. I'm paying $1200/year and have an excellent record. One factor that increased my rates included living in downtown Chicago, as geography plays a role in addition to driving record, being married, etc etc. Also, the quality of coverage is important too. My rate is for nearly the highest collision liability coverage of $500,000/$1,000,000 and a $500 deductible.
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