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As the old saying goes, "you get what you pay for" is true. Cheaper is not always better, especially with insurance. Please factor in financial stability of company, what this means to you is if you're involved in a claim they will pay. Availability of agent in time of need, huge multi-line policy discounts up to 32%, and claims response are big ones for me. That's why I went with Nationwide. Fortune 100 company, 80 billion in reserves, been around for 80 some odd years, and a local, competent agent. Just my $.02.
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