Insurance across state laws will probably not rusult in savings. Health insurance in Nevada, for example may be cheaper than insurance in Utah, but that might be because Utah requires more coverage by law. For a Nevada company to sell insurance in Utah, they have to comply with Utah laws, and their insurance may be more expensive since they have higher costs to know the laws in multiple states that a company that specializes in Utah requirements.

To the everlasting glory of the infantry...

Owain ab Arawn
KGB Supreme Knight
King's High Council