On July 1, 2006 The California Earthquake Authority cut rates on insurance for about 85% of the people it insures. However they never mentioned it to anyone. Nor is it likely that your insurance agent passed on the news.
For information on whether you qualify for a reduced rate or policy refunds and what you need to do to take advantage of them contact your insurance agent. You can also call the Insurance commissioner's office at (800) 927-help.
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