So will those savings be on my whole policy premium?

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No, the discount only applies to personal injury protection, not your entire policy. So you are going to get a temporary (at the most, eight-year) discount for giving up many fantastic benefits. Your PIP coverage is going to come down a little, but on the other hand, you have to buy more bodily injury coverage because you can get sued for more, so that’s going to go up.

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