>"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 - Third Brush Generators - by Chris Pratt. While I love straightening sheet metal, cleaning, and painting old tractors, I use every excuse to avoid working on the on the electrics. I find the whole process sheer mystery. I have picked up and attempted to read every auto and farm electrics book with no improvement in the situation. They all seem to start with a chapter entitled "Theory of Electricity". After a few paragraphs I usually close the book and go back to banging out dents. A good friend and I were recently discussing our tractor electrical systems when he stated "I figure it all comes back to applying Ohms Law". At this point
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