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For the past three years, shopping for insurance has felt about as productive as checking for flights during a blizzard. Carriers weren't writing. Premiums were climbing. And if you did manage to find a quote, it usually came in higher than what you were already paying.

So most people stopped looking.

Can't blame you. When every door is slammed shut, you stop knocking. But here's the thing: The doors are starting to open again.

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Quietly. Slowly.…