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  1. Can someone here who does insurance provide insights in how to calulate a insurance policy for car renewal ? Year to year with the age of the car, if I scrap my car or total my car, its market value . Why is it that I am paying more each year intead of less? Somehow I get the feeling I am paying to the insurance company and it all depends on the insurance company to decide how much they want to increase their revenue. I have yet to hear of insurance company that went bankrupt because that year there were so many car accident that the comapny cannot sustain...
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