To understand all of this, we need to have an educational talk about the two kinds of Bell phone service. There are two types of "local phone" service in Bell territories:
Although I have a clean driving record (no accidents, no claims and no moving violations), 7 years of experience (and I drive a lot) and drive a crappy car with little value and probably even less impact force in the event of an accident, my car insurance rates suck.
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