>"Utah allows ins. Co.'s to dictate to its customers the amount of coverages, forces you to have uninsured and underinsured coverage..."
I'm pretty sure that even in Utah, it is the state that mandates minimum coverage levels for motorists, not individual insurance companies.
It's been my experience that if you want to keep your premiums as low as possible, you have to be prepared to switch companies every three years. I switched auto insurance a couple of years ago because of a big rate hike. My new carrier just hit me with a big increase, so I just switched back to my old carrier. Go figure.
Michigan has some of the highest auto insurance rates in the company; we have true no-fault insurance (which was supposed to lower rates) and unlimited medical expenses. The insurance companies have lobbied for decades to change this system, although any time they're asked to open their books and explain how they're losing money they politely decline. People gripe about how the unlimited medical expense coverage makes insurance so expensive, they forget who would pay if this was changed: The cost of caring for severe injuries and long-term disabilities would ultimately fall on Michigan taxpayers. Pay me now or pay me later.
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Today's Featured Article - Harvestin Hay: The Early Years (Part 2) - by Pat Browning. The summer of 1950 was the start of a new era in farming for our family. I was thirteen, and Kathy (my oldest sister) was seven. At this age, I believed tractor farming was the only way, hot stuff -- and given a chance I probably would have used the tractor, Dad's first, a 1936 Model "A" John Deere, to go bring in the cows! And I think Dad was ready for some automation too. And so it was that we acquired a good, used J. I. Case, wire tie hay baler. In addition to a person to drive th
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