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Try not to modify or customize your car as it might affect your car insurance coverage. 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! There are also policies that cover only damages caused by collisions with other vehicles or objects. This may include car damage or loss due to fire, hail, vandalism, or theft. There are also comprehensive car insurance policies that cover for loss or damage to the insured vehicle caused by circumstances other than car accidents.
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