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In response to "You should offer this as a service. I forgot mine and now I'm in until next year -- nm" by oblique

Not true, at all. Call them, switch, they credit it back to your card, or to your account if you wish. I switched to paying monthly (via CC) last year

, that way when it jumped it went from $12/month (total for two cars) to $40 it prompted me to call.

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