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Car Insurance Collision Coverage: Is It Right for You?

If you drive a new car, you need car insurance collision coverage. If you are financing your new car with a lending company, they will require proof of auto insurance collision coverage.

To keep your premiums low, choose a higher deductible ($500 to $1000). If you have a poor driving record, or your car is older and has lost much of its resell value, you do not need collision coverage.
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