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There are also policies that cover only damages caused by collisions with other vehicles or objects. While car insurance rates can get expensive, you can take measures to decrease your premium; shop around, drive safely, keep your credit rating high, and keep driving! 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 wouldn't want to invest $15,000 into a car only to get into an accident a week later.
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