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Geico ads notwithstanding, when people switch car insurers, it’s seldom due to rude remarks about cavemen. In a Witeck-Combs Communications/Harris Interactive poll, drivers were asked to identify the main factors that would prompt them to switch carriers. The main one (cited by 49 percent) was dissatisfaction with the way a claim is handled, putting this slightly ahead of an offer of lower rates from a rival company (46 percent).

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