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When you can't refute logic, just pretend it's not there, resort to ad hominem, and add a laughing face. Brilliant!
Here let me give it a try:
The fact is that spending 50% less for a policy right now, with a company with a history of raising rates, is essentially buying a policy with a premium to lure you in! You've bought an unknown rate increase from day one.... which is totally dumb.
Hi Mr. Kettle, I am Mr. Pot.
Both these statements have no fact behind them. I think everyone can agree with me on this one.