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I hear you on the peace of mind thing. I drive a BMW, and even though it’s not brand new, repairs are stupid expensive—one fender bender and my wallet cries for weeks. Full coverage feels like a ripoff until you actually need it. Still, I do shop around every renewal because those premiums creep up fast. If my car was worth less, I’d probably risk liability only, but with the way parts cost these days... yeah, not rolling those dice.
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