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  1. I have been a full-timer for over 5 years and have been using Thum Insurance out of Grand Rapids, MI. They do have policies for all insurance needs. The best thing about them is that each year you are accident free, they reduce your deductible by a percentage up to 5 years when you do not have to pay a deductible. They specifically are for full-timers. When I first became a full-timer I got many runarounds from insurance companies so you have to be very specific that you are a full-timer. This company has been wonderful. Denise
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