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Clyde you're doing too much of the work yourself spending all that time quoting and trying to determine the differences in coverage.
I would suggest you make a couple of calls and find yourself an independent agent who has been established for many years.
A good independent agent should be able to rate your cars with multiple carriers and they should come back to you with multiple quotes and explain the differences.
Some companies might have the best rate but they might also be hard to deal with at claim time which is what I think is the most important part of insurance. Having the power of an agent behind you can make a difference
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