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Shaun Rowley of St. Cloud, Minn., won $100 for submitting the following tip:
Lower your insurance without switching
"You don't have to switch insurance companies to get the best rate. Most insurance companies will match quotes from competitors as long as the coverage is the same. Just visit some of the big insurance websites, fill out a free online quote, which takes just minutes, then call up your insurance provider and ask them to match it. I have done this to lower my auto and home insurance several times, and most of the time, they don't even make you send them the competitor's offer details."
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