Costco all the way. Car insurance and home is cheapest I've found. Granted it's hard in the state we live, but my BIL shopped around in SF and found it was the cheapest too! I've saved 3 friends in the area an average of $700 on car insurance by referring them to costco insurance. So $55/year is well worth it. Two of the friends were BJ shoppers who aren't renewing and just renewed but it's not worth it.
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