Everytime I get a letter from the union, I also get some pamphlet to inform me that I can get lower rates for insurance.  This includes vehicle insurance quotes, house insurance, etc.  And I can call to just compare the costs to my own insurance company and they bet they will be lower.  
Hmmm.  I tried and I'm not so sure.  And I know this is odd, but if I did buy from them, I'd feel like I was buying no name brand insurance.  I'm sure that's not the case.  But there is something very soothing about buying from a well known insurance company.  Don't get me wrong, I buy no name products all the time.  But I do have a limit to what I will buy as a no name product.
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