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Can I renew my car insurance for a cheaper quote?

Hi, I am a first time driver just under 25 (24 now and will be 25 in march 09) now what I want to know is can I change my insurance when I am 25 for a cheaper quote, even if I pay monthly and will i be penalised for doing so. Also if I get a company car, do I have to pay for the insurance. Thanks everyone, and another thing what if i want to change my car

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