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Oh yeah and if you are with a captive agent. Ie: All State, State Farm, Geico, Prudential etc. Go see an independent agent or two or three.
Since we are car guys I'll use the car analogy. The captive will try an make the 10mm bolt fit in the 8mm nut and hammer the s**t out of it until it goes in because that's the only bolt he has.
The independent has an assortment of bolts and can pick the proper nut for the bolt.
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