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Edith from Houston, Texas calls into the Dave Ramsey show asking for advice on a tractor purchase made in March. She and her husband paid $26,000 for the tractor, including $2,000 for insurance through Kubota. Edith is unsure about making the final payment as it would downgrade her insurance. Dave clarifies that the insurance is for repairs, not theft, and suggests checking if theft is covered under another policy.