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Same story here, switching is the worst single thing you can do.

I retired young in 1992, only to have to return to work, just for the insurance coverage. Now with my auto ins co, because they offered the lowest rates, with $1000 ded per incident. Had
Golden Rule prior to retiring, switched to BC&BS (big mistake) and now to auto co. Had I known about MSA's, I would have stayed with GR.
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