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</o:shapelayout></xml><![endif]--></head><body bgcolor=white lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Really? I thought I read somewhere that Idaho drivers were among the worst in the nation, in such areas as tail-gating (maybe that a joke?), drunk driving, traffic fatality rates, and some other areas. . But let me do a little more homework on the actual figures here. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Maybe I’m misinterpreting the ‘characteristics of Idaho citizen drivers’ part. Maybe Idahoans have lower insurance more because they generally can only afford cheap old second-hand clunkers, which don’t require as much collision coverage. The vehicles also tend to be broken down and off-the-road at higher frequencies (you’ll see them sitting on peoples’ lawns and in barnyards in the countryside), rendering them statistically harmless. ;-) My beloved 1985 Volvo sedan is in this category.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Bob Dickow, troublemaker<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:windowtext'>Kenneth Marcy wrote:<br><br></span></p><div><p class=MsoNormal>On 12/12/2012 8:50 AM, Tom Hansen wrote:<o:p></o:p></p></div><blockquote style='margin-top:5.0pt;margin-bottom:5.0pt'><div><p class=MsoNormal style='mso-margin-top-alt:5.0pt;margin-right:.5in;margin-bottom:5.0pt;margin-left:.5in'>Tell us about it, Mr. Marcy, when you are diagnosed with cancer at 75 years old and browsing the health insurance "marketplace" for an insurer whose premiums you can <o:p></o:p></p></div></blockquote><p class=MsoNormal><span style='color:#1F497D'><snip>…</span>at least some individuals are sufficiently interested in the benefits of procuring higher levels of policy protection, if not perfection, than might otherwise be available from national, less flexible, insurance regulations. Idaho has some of the lowest automobile insurance rates in the nation as a result of characteristics of Idaho citizen drivers. It well may be that analogous lower health care insurance rates might be available were Idahoans able <span style='color:#1F497D'>…</snip><o:p></o:p></span></p><p class=MsoNormal><br>Ken<o:p></o:p></p></div></body></html>