Maybe the big premium goes toward the fancy advertising. If my .02 is worth anything, it seems like the small companies that spend a lot of money on fancy advertising don't have enough left over in the piggy bank to be able to adequately service their customers. They might be capitalized well enough to meet the minimum standards required to cover loss payouts but they don't have enough money to pay a big enough staff to give good customer service. They remind me of the slick hawkers at the state fair.
If you go with an old line company your premiums might or might not be cheaper but you will have fewer problems getting service. I'm not saying NO problems, just fewer problems. Jim
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Today's Featured Article - The River Tractor - by Charlie English Jr.. This is a 4010 John Deere that was used to farm on the Diamond Island which is in the Ohio River about 15 miles southwest of Evansville, Indiana. About ten years ago, this tractor was parked close to the bank as the river was washing the bank of the island away.
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