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Keeping higher deductibles saves money over time. Moral of the story is don't get into accidents through fault of your own, and carry UM coverage to protect yourselves from the idiots who don't carry insurance. I keep higher deductibles now, but I also keep money in the pot for such events, should I have to come up with it. I've saved a lot more than my deductible over the years just through the reduction in premiums.
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