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3. All the following techniques can be sensible ways to reduce automobile insurance premiums, EXCEPT: (A) Having all ones vehicles insured by the same company

3. All the following techniques can be sensible ways to reduce automobile insurance premiums, EXCEPT:

(A) Having all ones vehicles insured by the same company

(B) Reducing the liability coverage to the minimum limits required by the state

(C) Increasing the deductibles on physical damage coverage

(D) Dropping physical damage coverage on older cars

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