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After I turned 25, I called my insurance company (USAA) when my rates didn't go down and they said most complanies don't give some discount just because you turn 25. Your rate is a combination of driving history, age, demographics, where you drive, how much you drive, married, kids etc. My rates haven't budged due to any life events like marriage or having a kid. I'm 31 and probably pay as much or more than I did when I was 24.
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