You are talking rubbish. All states have voluminous insurance regulations and rule, rate and form filing requirement. The amount of scrutiny varies widely by state, but in general the states with higher rates have the most intense regulations (NY, CA, MD, CT, MA, FL, etc.) and are the most difficult to deal with from a company standpoint. My company spends 10s of millions in salary and benefits in compliance efforts just to keep legal in all 51 jurisdictions. In some states where there is freedom to raise and lower rates, the market dictates and premiums are generally lower than average. Believe me we follow what are competitors are doing very closely and are always looking for an advantage.
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Today's Featured Article - Identifying Tractor Smells - by Curtis Von Fange. We are continuing our series on learning to talk the language of our tractor. Since we can’t actually talk to our tractors, though some of the older sect of farmers might disagree, we use our five physical senses to observe and construe what our iron age friends are trying to tell us. We have already talked about some of the colors the unit might leave as clues to its well-being. Now we are going to use our noses to diagnose particular smells. ELECTRICAL SMELLS
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