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It seems every month or two I come across some consumer publication with an article titled, “What Your Insurance Agent Doesn’t Want You to Know,” or “Top 10 Things Your Insurance Agent Won’t Tell You.” (Here’s one I’d like to see but never will: Your numbskull 16-year-old is too irresponsible to be allowed behind the wheel of two tons of steel, it’s probably your fault, and insurance can’t fix that.)

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