THE FIRST NON-NEGOTIABLE: NEVER PLANT BEFORE THE FIRST CROP INSURANCE DATE.
Let’s face it – you can’t argue with someone who has ALL the data. Crop insurance companies have everyone’s data regarding how early is too early to take a chance planting. I’m siding with them. If they won’t take the financial risk insuring your crop because it’s too early, I’m certainly not going to advise planting.
The best part about this rule is that you can go out in your field and plant a small (emphasis on SMALL) amount of your crop before the crop insurance date and test this theory out for yourself. I’d suggest doing this for 10 years before considering this rule null and void for your farm. That’s the thing with early planting; it can occasionally work just fine to ignore this rule, but if you do so in the long run you’re eventually going to get burned.