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Call a broker. An independent insurance agent that has 10 or 20 different companies they work with. They can shop out your insurance with all 10 or 20 companies and come back to you with the best rate.
You shouldn't have to pay extra for it, the agent gets a commission from the insurance company for it, and it's the same price through them as you would get going right to the company. Lots of companies can beat the State Farm price.
That way you know you're getting a good deal, and you have a local agent to go through if you have any questions or issues.
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