Re: insurance question
There will probably be an inquiry on your credit report (but there might not be since they've already pulled it once.) Other than that it shouldn't have any impact at all. My credit report doesn't list any insurance I have . . .much less who it's with or how long I've been with them . . . I use an insurance broker (deals with lots of different insurance companies) and he ends up switching us around quite frequently. We've saved thousands by not being company loyal.
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