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There are a number of categories used to calculate the ratings. Damage and parts costs If it doesn't cost the earth to repair your car, and the parts are ten a penny, you'll find that your car insurance group is nice and low too.. If youre prepared to increase this, you can get a reduced premium. 4. Dont use your car for work. Insurance policies that cover only "social, domestic and pleasure" are generally cheapest. Madison car insurance


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