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It has to do with the state and local where you are insured. Not every company is in every state, and even if they are licensed there it may be for only certain types of vehicles.
I had State Farm for over 30 years, when I went full time in SC they could no longer insure me, had to switch companies because they weren't licensed for that in SC. I don't know why they are licensed for some coverages and not others but they are.
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