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The great savior for mid-tier and smaller insurance carriers in the past decade has been the Internet. Regional insurers could suddenly do business in the same manner as national carriers, and customers found it nearly impossible to distinguish between the two. 

Alas, life rarely stands still—particularly when it comes to finding ways to do things quicker and less expensively than your competitors. Larger competitors now are finding even more ways to operate effectively through the use of predictive modeling.

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