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In my state, State Farm offers discounts for good student drivers and for taking a drivers ed course.

In Missouri we worry about the New Madrid Fault which last had an earthquake in 1804. I have earthquake insurance from State Farm for less than $100/yr for $30K deductible.

Renters insurance is the worst one for fraud.

Fire insurance can depend on many things. More expensive in Missouri than in NJ even though here we have professional fire service while in NJ we depended on volunteers.

Distance to fire hydrant also matters. The response time standard here is 6 minutes.
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