A1-rated, schmay one-rated!

Remember the fire department's argument that all the extra money we spend to have an A1 rated department meant lower insurance premiums, well, like a lot of other things we're learning about our fire and police department this year, it's a lot of hooey.  None of the major carriers - Allstate, Travelers, State Farm. et al - consider it in writing policies.  What they do consider is where you are in relationship to the fire house and the fire hydrant.  Why is it we're spending 17 MILLION dollars in fire fees again?