I am getting ready to start shopping myself. Several years ago when I moved from a house in town to the country my rates were not too terrible, but after a couple fairly severe increases I started looking at my policy, and found I was paying for their "farm and ranch" coverage which was insuring for farm employees, and significant liability. I went to my agent at the time and asked to be put on a homeowner policy and I was not going to insure farm employees, etc....and I do not hire anyone, and rarely is anyone else even on my property, and the land is posted. She indicated she would not do that, and I bid her good day and that I would likely be cancelling my policy as soon as I find someone that would provide the coverage I need (I stress the term NEED). She then seemed surprised when I called her to cancel not only my "farm and ranch" policy, but every vehicle as well. Fast forward, my home owner policy has increased every year, and now higher than I was paying before I cancelled my other policy, so it is time to gather my documents and shop. I have been told it is true that insurance companies give better rates to new customers, but given my wife had a accident I was holding off until the accident was over 3 years old to help rates. I did find a way to save a few $$, in that some insurance companies try to toss medical coverage on the vehicle, and since I carry my own medical insurance, that was an expense I was likely never going to need, and liability coverage covers others if they are injured and your fault. I removed all medical coverage from my auto policies.
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Today's Featured Article - An Old-Time Tractor Demonstration - by Kim Pratt. Sam was born in rural Kansas in 1926. His dad was a hard-working farmer and the children worked hard everyday to help ends meet. In the rural area he grew up in, the highlight of the week was Saturday when many people took a break from their work to go to town. It was on one such Saturday in the early 1940's when Sam was 16 years old that he ended up in Dennison, Kansas to watch a demonstration of a new tractor being put on by a local dealer. It was an Allis-Chalmers tractor dealership,
... [Read Article]
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