In a message dated 2/7/03 12:02:33 PM, lchase@ATTGLOBAL.NET writes:

<<

1. Normal Coverage Policy . . .

. . . Cost Estimates : $600-800 per year (AZ Resident)

2. Replacement Value Policy . . .
Cost Estimates : $2500 - 3000 per year (AZ Resident) . . .

Your Point of View?

Larry Chase
 >>

Larry, my man, my point of view really doesn't matter very much in this
scheme.  What does matter is which bolt of cloth you were cut out of.

The minimum difference between the quotes is $1700, the maximum is $2400.
For the sake of argument, let's agree to call it 2 large.  So, if you do not
mind a little roll of the bones AND you have some willpower, do the
self-insure thing by banking $2000 every time your Normal Coverage premium
notice arrives in the mail.  After all, the only way you are ever going to
beat an insurance agent out of whatever amount of YOUR money that he wants to
call his own, is to play his game yourself.  The odds are on your side:
insurance companies prove that everyday.  In fact, I'll bet in five years
you'll have your van and, if nothing else, $12K in a CD.

May the odds be with you.

George