when dan moved to get busy, his car insurance didn't go up because he already had insurance. that might work for you! look into getting renters insurance. the one i had cost $100/year but gave me a $150/year discount on car insurance.
my girlfriend got something called 'golden rule' although i don't know the name of the larger company that provides it (i'll find out because i'll probably get it also). it costs her a little more than $100 a month for reasonable coverage.
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