Thank you for inquiring about lowering your rate. Feel free to visit our Hassle-FreeQuote website so we can review more specific information in order to reduce your current rate. The process takes less than a minute to complete. We're happy to have this chance to save you even more money. * Current Rates: 3.89 - 4.93 * Average Money-back: $3,000 - $12,500 per year http://liumotk.com/1/f/ Hassle-FreeQuotes©