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Obviously Dustin is biased, but I agree with him that online quotes is only a starting point - you should visit an insurance broker (or two) and see what kind of plans they can arrange for you. I personally don't have life insurance other than my work benefits, but for home and auto insurance I've found the best way to ensure you get the cheapest rate is a combination of online searching and dealing with several brokers. Just don't tell them you're dealing with more than one - they generally don't like that!
 
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