People have been chicken littling this for years and these massive hikes never seem to materialize for a lot of people. Shop around yourself or get a broker, mine shops around every year at renewal and I've seen a decrease or stable rate since getting on with him.
Now; if you have lots of tickets, have a bunch of claims or are a new driver, you will probably be wise to buy a tub of Vaseline. I would also suspect that every renewal is going to mean your abstract is getting pulled and every ticket that might have been missed in the past is going to affect you.
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