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Shop around and compare quotes from different providers. Consider discounts for safe driving, bundling policies, or having a good credit score.
Comprehensive and collision coverage are optional but can be beneficial if you have a newer vehicle or a car loan. They cover non-collision-related incidents and damages to your car from collisions.
Assess your driving habits, vehicle value, and financial situation. Consider factors like coverage types, limits, and deductibles that meet your needs.