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--I'm guessing you live in New Jersey!
"Remember, insurance companies are in the business to make money, not be charitable."
--And when almost all states **REQUIRE** you to have auto insurance in order to own and operate a vehicle, shouldn't it be regulated by the government to some extent? It's like the government saying "hey, if you wanna drive, you betta pay them whatever they want. Or else...!" This is extortion at it's finest!