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Insurance Rating does not reflect reality
I own two homes in two different states and have 4 cars/2 motorcycles listed under my name. Last auto wreck was 5 years ago and before that was 4 years. Home insurance has never had a claim and State Farm has given me steep discounts on the past 30 years. Every year I compare package rates and I find that NOT one company can beat the annual amounts I pay every year. The closest any other company has ever been was still 22% higher. So not sure why the Credit score for Insurance is low

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