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Cheap Car Insurance in Maine – January 2024

Securing affordable car insurance remains a critical pursuit for drivers in every state, and Maine stands out for its reputation of offering some of the most competitive rates in the nation. Here’s your comprehensive guide to finding the most affordable car insurance in Maine.
Cheap Car Insurance in Maine (2)
Cheap Car Insurance in Maine – January 2024
Grasping the distinctive aspects of Maine's insurance environment is crucial in securing the most suitable coverage within your financial parameters. Learn all about how to find the best and cheap car insurance in Maine and how Beem can help you get the most affordable quotes.
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In this comprehensive guide, we delve into the intricacies of Maine’s car insurance market, providing essential insights and practical strategies to help you find cost-effective insurance options. Our curated list of budget-friendly insurance choices considers various factors, including age, credit background, and driving history, catering to the diverse needs of Maine’s drivers. You can also learn how to get the best car insurance quotes up to 40% in Maine with Beem.

Whether you’re a seasoned driver or a new policyholder, our guide aims to simplify finding the most affordable and suitable car insurance in the Pine Tree State.

Cheap Car Insurance in Maine

Maine continues to uphold its reputation for affordable car insurance, with full coverage averaging $941 annually and minimum coverage at $225 annually. Fortunately, there are strategies to find the cheapest car insurance based on your specific situation. Our comprehensive evaluation of various insurers in Maine ensures you can discover the most competitive rates available.

What is the Cheapest Car Insurance in Maine?

The cheapest car insurance in Maine can be found with Auto-Owners Insurance, which offers the lowest sample rate in the state, averaging $620 per year. Maine boasts the lowest average car insurance rates in the United States, with an average annual rate of $949, significantly undercutting the national average rate of $1,543 annually. With its competitive pricing and comprehensive coverage options, Auto-Owners Insurance stands out as a top choice for Maine residents looking for affordable and reliable car insurance.

COMPANYAVERAGE RATE
Allstate$1,369
Auto-Owners Insurance$620
Farmers$1,047
Geico$940
MMG$960
Progressive$1,233
State Farm$912
Travelers$816
USAA$645
Statewide Average$949
Table 1.0 – Comparison of Average Car Insurance Rates for Leading Companies in Maine

How We Chose the Cheapest Companies in Maine

Our thorough selection process for identifying affordable car insurance providers in Maine involved a comprehensive, data-driven assessment. We meticulously reviewed and compared premium quotes from various insurers, considering coverage types, policyholder characteristics, and geographic factors. Our evaluation extended beyond comparing rates to include discounts, customer feedback, and insurer financial stability. This rigorous approach ensures our recommendations prioritise cost-effectiveness and maintain high standards of service and reliability for Maine residents.

Cheap Car Insurance in Maine

Maine boasts the lowest average car insurance rates in the United States, with an average annual rate of $949, significantly undercutting the national average of $1,543 by hundreds of dollars. Drivers in Maine enjoy an average cost of car insurance at around $1,034 per year, marking a notable 32% reduction compared to the national average. While geographic location plays a role, various other factors impact car insurance premiums, including age, driving history, marital status, and credit score, all of which are carefully considered by underwriters when generating auto insurance rates.

Maine Rates for Teen Drivers

In Maine, 17-year-old male teen drivers face average annual rates as high as $3,782, while female counterparts of the same age can expect to pay around $3,248. However, for those seeking more affordable options, Auto-Owners emerge as the most cost-effective choice, with average rates for males at $1,827 and females at $1,656. Conversely, Progressive tops the charts for the highest average rates among teen drivers in the state, with males facing an annual cost of $7,001 and females at $6,304.

COMPANYFEMALE TEEN DRIVERSMALE TEEN DRIVERS
Allstate$3,417$4,429
Auto-Owners Insurance$1,656$1,827
Farmers$5,574$5,936
Geico$2,801$3,442
MMG$2,444$2,961
Progressive$6,304$7,001
State Farm$2,498$3,106
Travelers$2,438$3,016
USAA$2,101$2,322
Statewide Average$3,248$3,782

Cheapest for 20-Year-Old Drivers

Obtaining pocket-friendly car insurance for 20-year-old drivers can be daunting, necessitating an extensive search for the most economical options. Initial premium costs for this demographic can soar, yet they decrease as individuals amass more driving expertise. Certain insurance providers consistently offer more competitive rates for young drivers, emphasizing the importance of diligent comparison shopping. With persistence, the quest for budget-friendly coverage can yield substantial savings, making the journey to find the ideal policy worthwhile for financially savvy 20-year-olds.

Cheapest Full Coverage Car Insurance in Maine for 20-year-olds

In Maine, 20-year-olds can find affordable, comprehensive coverage. The Concord Group offers rates around $109 monthly, Countryway around $138 monthly, and Travelers approximately $152 monthly for full coverage.

Cheapest Minimum Coverage Car Insurance in Maine for 20-year-olds

20-year-olds in Maine can meet the state’s minimum coverage with affordable options like the Concord Group at about $47 monthly, Countryway at around $54 monthly, and State Farm at approximately $67 monthly for minimum coverage.

Cheapest Auto Insurance in Maine for 20-year-olds With Poor Credit

Despite poor credit, 20-year-olds in Maine can find affordable auto insurance. The Concord Group offers rates at about $75 per month, Countryway at around $78 per month, and Patriot Insurance at approximately $91 per month for minimum coverage.

Cheapest Auto Insurance in Maine for 20-year-olds With One Speeding Ticket

Despite speeding tickets, 20-year-olds in Maine can find affordable auto insurance. The Concord Group provides rates at about $54 per month, State Farm at approximately $77 per month, and Patriot Insurance at about $100 per month for minimum coverage.

Cheapest Auto Insurance in Maine for 20-year-olds With One At-fault Crash

After an at-fault crash, 20-year-olds in Maine can find affordable auto insurance. The Concord Group offers rates at about $71 per month, Countryway at around $81 per month, and State Farm at approximately $87 per month for minimum coverage.

Cheapest Auto Insurance in Maine for 20-year-olds After a DUI

Despite a DUI, affordable auto insurance is accessible for 20-year-olds in Maine. Countryway provides rates at about $66 per month, the Concord Group at around $78 per month, and State Farm at approximately $104 per month for minimum coverage.

Cheapest for 30-year-old Drivers

With time, most 30-year-old drivers experience a decline in car insurance rates compared to their earlier years. However, driving history and vehicle specifications can influence premium costs. To secure cost-effective insurance, 30-year-old drivers should explore various options and capitalize on potential discounts available in the market. By leveraging these strategies and prudent comparison shopping, drivers can access favorable rates that align with their budgetary preferences and financial objectives.

Cheapest Full Coverage Car Insurance in Maine for 30-year-olds

Maine’s 30-year-olds can secure comprehensive coverage at competitive rates. The Concord Group offers approximately $65 per month, MMG around $80 per month, and State Farm about $82 per month for full protection.

Cheapest Minimum Coverage Car Insurance in Maine for 30-year-olds

For 30-year-olds seeking minimum coverage in Maine, the Concord Group offers rates around $26 per month, State Farm at roughly $27, and Countryway at approximately $29, ensuring essential coverage at affordable prices.

Cheapest Auto Insurance in Maine for 30-year-olds With Poor Credit

Despite credit challenges, 30-year-olds in Maine can get affordable auto insurance. The Concord Group offers about $114 per month, Countryway around $126, and MMG approximately $130, ensuring essential coverage without significant financial strain.

Cheapest Auto Insurance in Maine for 30-year-olds With One Speeding Ticket

Despite recent speeding tickets, 30-year-olds in Maine can obtain affordable auto insurance. Options include the Concord Group at around $30, Vermont Mutual at approximately $30, and State Farm at about $31 per month, ensuring coverage despite the violation.

Cheapest Auto Insurance in Maine for 30-year-olds With One At-fault Crash

After an at-fault crash, 30-year-olds in Maine can find affordable auto insurance options. MMG offers rates at about $96 per month, the Concord Group at around $98 per month, and State Farm at approximately $103 per month, ensuring continued coverage.

Cheapest Auto Insurance in Maine for 30-year-olds After a DUI

Even with a DUI, 30-year-olds in Maine can secure reasonably priced auto insurance. The Concord Group offers rates at about $109 per month, Countryway at around $115 per month, and State Farm at approximately $121 per month, aiding in rebuilding their driving history.

Cheapest for 40-year-old Drivers

Typically enjoying more favorable insurance rates than younger demographics, 40-year-old drivers still contend with higher premiums than older age groups. Exploring multiple quotes from various insurers remains a prudent strategy to secure cost-effective car insurance. Additionally, for infrequent drivers with solid track records, paying-per-mile insurance could be a viable option, as it charges based on the actual mileage driven. With a blend of comparison shopping and tailored policy selections, 40-year-olds can uncover budget-friendly insurance solutions aligned with their driving habits and financial goals.

Cheapest Full Coverage Car Insurance in Maine for 40-year-olds

For full coverage, 40-year-olds in Maine can find affordable rates with the Concord Group at about $58, MMG at around $76, and State Farm at approximately $78 per month, ensuring comprehensive protection at reasonable costs.

Cheapest Minimum Coverage Car Insurance in Maine for 40-year-olds

For 40-year-olds in Maine seeking minimum coverage, affordable options include the Concord Group at about $23 per month, State Farm at around $26 per month, and Countryway at approximately $27 per month, ensuring essential coverage within budget.

Cheapest Auto Insurance in Maine for 40-year-olds With Poor Credit

40-year-olds in Maine facing credit challenges can find affordable auto insurance. The Concord Group provides coverage at about $101 per month, Countryway at around $115 per month, and MMG at approximately $123 per month, ensuring necessary protection.

Cheapest Auto Insurance in Maine for 40-year-olds With One Speeding Ticket

Despite recent speeding tickets, 40-year-olds in Maine find affordable auto insurance with the Concord Group at $26, Vermont Mutual at $27, and State Farm at $30 monthly, ensuring continued coverage despite the violation.

Cheapest Auto Insurance in Maine for 40-year-olds With One At-fault Crash

Despite at-fault crashes, 40-year-olds in Maine can find affordable auto insurance. The Concord Group offers rates at about $87 monthly, MMG at around $91, and State Farm at approximately $99, ensuring continued coverage post-accident.

Cheapest Auto Insurance in Maine for 40-year-olds After a DUI

Even with a DUI, 40-year-olds in Maine can find reasonably priced auto insurance. The Concord Group offers rates at about $97 per month, Countryway at around $105 per month, and State Farm at approximately $116 per month, enabling a path to recovery.

Cheapest for 50-year-old Drivers

50-year-old drivers generally experience more favorable insurance rates compared to other age groups. As they approach their 60s, rates are expected to decrease further due to accumulated driving experience. Thorough comparison shopping is vital to identify favorable rates, with our list of affordable auto insurance companies serving as a valuable resource.

Cheapest Full Coverage Car Insurance in Maine for 50-year-olds

50-year-old drivers in Maine can obtain full coverage with the Concord Group at around $56 monthly, Vermont Mutual at approximately $69 monthly, and MMG at about $74 monthly, ensuring comprehensive protection within budget.

Cheapest Minimum Coverage Car Insurance in Maine for 50-year-olds

For 50-year-olds in Maine seeking minimum coverage, the Concord Group offers approximately $22 per month, Vermont Mutual at around $24 per month, and State Farm at approximately $26 per month, ensuring essential coverage at affordable rates.

Cheapest Auto Insurance in Maine for 50-year-olds With Poor Credit

Even with poor credit, 50-year-olds in Maine can find affordable auto insurance. The Concord Group offers rates at about $98 per month, Countryway at around $112 per month, and MMG at approximately $119 per month, providing necessary protection without excessive financial strain.

Cheapest Auto Insurance in Maine for 50-year-olds With One Speeding Ticket

50-year-olds in Maine, despite recent speeding tickets, can secure affordable auto insurance. Vermont Mutual and the Concord Group offer rates at around $24 and $25 per month, respectively, while Patriot Insurance provides coverage at about $29 monthly.

Cheapest Auto Insurance in Maine for 50-year-olds With One At-fault Crash

After an at-fault crash, 50-year-olds in Maine can access affordable auto insurance. The Concord Group offers rates at about $84 monthly, MMG at around $88 monthly, and State Farm at approximately $95 monthly, ensuring continued coverage post-accident.

Cheapest Auto Insurance in Maine for 50-year-olds After a DUI

Despite recent DUIs, 50-year-olds in Maine can access reasonably priced auto insurance. The Concord Group offers rates at about $94 per month, Countryway at around $102 per month, and State Farm at approximately $112 per month, providing an opportunity to rebuild driving history.

Cheapest for 60-year-old Drivers

Although 60-year-olds usually benefit from affordable car insurance rates, it’s crucial to acknowledge potential rate fluctuations over time. To secure budget-friendly insurance, thorough comparison shopping is crucial. Additionally, leveraging senior citizen discounts can notably reduce costs, ensuring comprehensive coverage that aligns with evolving needs and financial preferences.

Cheapest Full Coverage Car Insurance in Maine for 60-year-olds

For comprehensive coverage, 60-year-olds in Maine can opt for the Concord Group at about $56 monthly, Travelers at approximately $67, and Vermont Mutual at about $69, ensuring extensive protection within their budget.

Cheapest Minimum Coverage Car Insurance in Maine for 60-year-olds

For 60-year-olds in Maine seeking minimum coverage, the Concord Group offers approximately $22 per month, Vermont Mutual at around $24 per month, and State Farm at approximately $25 per month, providing necessary coverage affordably.

Cheapest Auto Insurance in Maine for 60-year-olds With Poor Credit

60-year-olds in Maine with poor credit can find budget-friendly auto insurance. The Concord Group offers coverage at about $98 per month, MMG at roughly $119 per month, and Patriot Insurance at about $144 per month, ensuring necessary protection.

Cheapest Auto Insurance in Maine for 60-year-olds With One Speeding Ticket

Even with a recent speeding ticket, 60-year-olds in Maine can secure affordable auto insurance, with options such as State Farm at about $28 per month, Patriot Insurance at roughly $28 per month, and MMG at approximately $31 per month for minimum coverage, ensuring continued coverage despite the speeding violation.

Cheapest Auto Insurance in Maine for 60-year-olds With One At-fault Crash

After at-fault accidents, 60-year-olds in Maine can secure affordable auto insurance. The Concord Group offers rates at about $84 monthly, MMG at around $88 monthly, and State Farm at approximately $93 monthly, ensuring continued coverage post-accident.

Cheapest Auto Insurance in Maine for 60-year-olds After a DUI

Despite recent DUIs, 60-year-olds in Maine can find reasonably priced auto insurance. The Concord Group offers rates around $94 monthly, State Farm at approximately $109 monthly, and MMG at about $122 monthly for full coverage, aiding in their recovery.

Cheapest for 70-year-old Drivers

For 70-year-old drivers, it’s crucial to be aware of potential increases in car insurance costs. To obtain the most economical coverage, thorough comparison shopping is vital; consider gathering quotes from various companies. Additionally, explore insurers that provide specific discounts tailored for seniors. Notably, some insurance companies offer discounted rates for senior drivers who complete defensive driving courses, making it essential to leverage these cost-saving opportunities in the search for the most budget-friendly coverage.

Cheapest Full Coverage Car Insurance in Maine for 70-year-olds

For 70-year-olds in Maine seeking comprehensive coverage, the Concord Group offers an affordable yearly rate of approximately $672. In comparison, Travelers provides a competitive rate of around $792 annually, ensuring robust protection without straining the budget.

Cheapest Minimum Coverage Car Insurance in Maine for 70-year-olds

Opting for the state’s minimum coverage, 70-year-olds in Maine can secure budget-friendly options such as the Concord Group, providing coverage at about $22 per month, Vermont Mutual at around $24 per month, and Countryway at about $27 per month, allowing for essential coverage without unnecessary financial burden.

Cheapest Auto Insurance in Maine for 70-year-olds With Poor Credit

Despite poor credit, 70-year-olds in Maine can access affordable auto insurance options, with the Concord Group providing coverage at approximately $98 per month, Countryway at around $111 per month, and Patriot Insurance at approximately $142 per month for full coverage, ensuring necessary protection without imposing excessive financial strain.

Cheapest Auto Insurance in Maine for 70-year-olds With One Speeding Ticket

Even with a recent speeding ticket, 70-year-olds in Maine can obtain cost-effective auto insurance, with options such as Patriot Insurance at about $28 per month, State Farm at roughly $29 per month, and MMG at approximately $31 per month for minimum coverage, ensuring continued coverage despite the speeding violation.

Cheapest Auto Insurance in Maine for 70-year-olds With One At-fault Crash

Following an at-fault crash, 70-year-olds in Maine can access affordable auto insurance options, with the Concord Group providing rates at about $84 per month, MMG at around $88 per month, and State Farm at approximately $94 per month, enabling necessary protection despite the accident.

Cheapest Auto Insurance in Maine for 70-year-olds After a DUI

Despite a recent DUI, 70-year-olds in Maine can secure reasonably priced auto insurance options, with the Concord Group providing rates at $94 per month, Countryway at around $101 per month, State Farm at roughly $110 per month for full coverage offering an opportunity to rebuild their driving history without financial strain.

Cheap Car Insurance in Maine (2)

How Much Is Full Coverage Car Insurance in Maine?

Factors such as age, location, coverage level, driving history, and credit score significantly impact car insurance expenses. In Maine, full coverage insurance spans from as low as $521 annually (offered by Concord Group) to $1,350 annually (offered by Bristol West). Notably, 25-year-old drivers face an approximate yearly expense of $932, which is $237 less than the average cost for 65-year-olds, standing at $695 annually. Impressively, Maine’s car insurance rates, averaging at $941 annually, remain significantly lower by a striking 53 percent compared to the national average, offering substantial savings to drivers in the Pine Tree State.

Average Annual Car Insurance Rates in Maine by Company

While the average auto insurance cost in Maine provides a general understanding of anticipated expenses, it’s essential to recognize the potential variability in rates based on your selected insurance provider. Notably, Countryway Insurance stands out as the most budget-friendly option for car insurance in the region. To ensure cost-effective rates and tailored services that align with your specific insurance requirements, it remains critical to conduct a comprehensive comparison of quotes from various insurance providers.

How Much Is Liability-Only Coverage Car Insurance in Maine?

Maine mandates all vehicle owners or operators to possess the minimum insurance coverage prescribed by law, with a requirement to provide proof of insurance during vehicle registration. While the state’s minimum limits serve as a baseline, they might not fully safeguard you from potential claims that surpass these limits. Consequently, evaluating the extent of coverage necessary to protect your assets against potential claims beyond these minimum thresholds is imperative. Liability insurance caters explicitly to bodily injury and property damage inflicted upon others due to an accident where you are at fault.

Minimum Car Insurance Requirements in Maine

To legally operate a vehicle within Maine, drivers must adhere to the state’s specific car insurance coverage prerequisites. Maine’s car insurance laws dictate the necessity of liability coverage, medical payments coverage, and uninsured or underinsured motorist (UM) coverage, maintaining the following minimal limits: $50,000 per individual for bodily injury, $100,000 per accident for bodily injury, $25,000 for property damage, $2,000 per individual for medical payments, and $50,000 per individual and $100,000 per accident for UM coverage. Notably, Maine’s car insurance prerequisites extend beyond the 50/100/25 liability coverage, encompassing a mandatory minimum of $2,000 per person for medical coverage, alongside the imperative need for insurance protection against damages arising from uninsured or underinsured motorists. The minimum limit for insurance coverage is $50,000 per person and $100,000 per accident.

Tips for How to Get Cheap Car Insurance in Maine

When seeking affordable car insurance in Maine, several strategies can help you secure a favorable deal without compromising on coverage. Here are some practical tips:

1. Comparison Shopping: Thoroughly compare quotes from various insurance providers. This practice can reveal cost-effective options that align with your budget and coverage requirements.

2. Maintain a Good Driving Record: A clean driving history significantly impacts insurance rates. Adhering to traffic rules and avoiding accidents or violations can lower premiums.

3. Opt for Higher Deductibles: Consider selecting higher deductibles, which can lead to lower premium costs. However, ensure that the deductible amount remains affordable during an unforeseen incident.

4. Seek Discounts: Inquire about available discounts, such as those for good driving records, bundled policies, or low mileage. Additionally, ask about discounts for safety features installed in your vehicle, like anti-theft devices or anti-lock brakes.

5. Evaluate Your Coverage Needs: Assess your specific coverage needs and avoid unnecessary add-ons that can increase your premium. Understanding the state’s minimum coverage requirements while considering your personal circumstances can help tailor your policy accordingly.

6. Improve Your Credit Score: Enhancing your credit score can positively impact your insurance rates. Paying bills on time, minimizing debt, and regularly reviewing your credit report can contribute to a healthier credit score and lower insurance premiums.

7. Consider Usage-Based Insurance: Some insurers offer usage-based insurance programs that determine premiums based on actual driving behaviors. If you are a safe driver who doesn’t frequently use your car, this can be a cost-effective option.

8. Ask About Affiliation Discounts: Inquire whether you are eligible for discounts through professional associations, alum groups, or other affiliations.

No-fault Insurance in Maine

Maine operates as an at-fault state for auto insurance. This means the responsible party in an accident is liable for covering the resulting injuries and property damage. Unlike no-fault states, Maine allows drivers to file lawsuits for compensation, even for basic medical expenses, without the requirement of personal injury protection (PIP) insurance.

Conclusion

Maine’s car insurance market offers drivers some of the most competitive rates in the nation. With a comprehensive understanding of the state’s insurance dynamics and leveraging the provided strategies, individuals can secure affordable coverage tailored to their needs. By exploring the recommended insurance choices and implementing cost-saving tactics, drivers can navigate Maine’s insurance landscape with confidence, ensuring optimal protection and financial stability.

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FAQs on Cheap Car Insurance in Maine

Q. Is Car Insurance Required in Maine?

Yes, car insurance is mandatory in Maine. Anyone who owns or operates a vehicle in the state must carry at least the minimum amount of insurance required by law.

Q. Which Cars are Required to be Insured in Maine?

In Maine, all motor vehicles registered in the state must have the required minimum insurance coverage. This includes not only passenger cars but also trucks, motorcycles, and other types of vehicles.

Q. When Should I Get Car Insurance in Maine?

You should obtain car insurance in Maine before driving a vehicle on public roads. It’s illegal to operate a vehicle without the mandatory minimum insurance coverage.

Q. How Much Car Insurance Do I Need in Maine?

In Maine, the minimum required car insurance limits are $50,000 per person, $100,000 per accident for bodily injury, and $25,000 for property damage.

Q. How Much is Car Insurance in My City in Maine?

The cost of car insurance can change depending on your city or town in Maine. To get accurate rates, request quotes based on your specific location.

Q. What Happens If My Car is Not Properly Insured in Maine?

Driving without proof of financial responsibility in Maine can result in a traffic infraction, leading to fines of up to $500 and the potential suspension of your driving privileges.

Q. Is Maine A No-fault State?

No, Maine is not a no-fault state for car insurance. The driver found legally at fault for an accident must cover the resulting damages, including medical expenses, property damage, and other associated costs.

Q. Do I Need Uninsured Motorist Coverage in Maine?

Yes, Maine law mandates uninsured/underinsured motorist (UM) coverage. The minimum limit is $50,000 per person and $100,000 per accident.

Q. Is Liability Insurance Required in Maine?

Yes, liability insurance is required in Maine. Drivers must have liability coverage, meeting the state’s minimum requirements to cover bodily injury and property damage costs in case of an accident.

Q. Does Maine Accept Digital Insurance Cards?

Yes, Maine accepts digital insurance cards. Residents can use digital copies of their proof of auto insurance.

Q. Is Insurance Expensive in Maine?

No, insurance is not expensive in Maine. In fact, Maine has the lowest average car insurance rates in the entire United States.

Q. What’s the Average Cost of Car Insurance in Maine?

The average cost of car insurance in Maine is $714 per year. Various factors, such as coverage levels and driving history, can influence the final cost.

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Author

Picture of Aniket Kulkarni

Aniket Kulkarni

A seasoned Product Manager specializing in car insurance content, Aniket has a passion for simplifying complex insurance concepts. His strategic approach to content development reflects years of experience in the product development industry, coupled with a commitment to providing accurate, reliable information.

Editor

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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