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As most other types of insurance available to choose from, the same thing goes with insuring your own car. A car is a major investment, and like all major investments, you need to protect it. Try not to modify or customize your car as it might affect your car insurance coverage. You might owe money for damages and have nothing to show for all that money spent except a totaled car. There are also policies that cover only damages caused by collisions with other vehicles or objects.
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