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After some further quoting, including Katie (my fiance) and two other cars, Geico turned out to be about $400 more annually, NOT including our fourth car. My beater liability only almost doubled, her T/A remained about the same. They quoted $1509 for six months.
I think it's mainly because she's still 22 is why the rates were a little more. Mine were cheaper, but the overall was more expensive. I'm going to do some more digging and see if there's any holes in the quote.
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