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But they do this already. In Colorado many insurers raised rates when we had a large hail storm that caused widespread damage. Allstate roughly doubled my premium because of it (or so they said), even though I parked my car in a garage both at home and at work at the time. I found a better rate elsewhere, but I’m sure others just paid it.

So the fact that they’re offering a reduction seems fair, I guess. Although I wonder if they’re really only seeing a 15% reduction in costs.