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Interesting thread. Personally, I only carry liability and comprehensive on my cars. Betting that I will not need collision (that any serious accident will be caused by someone else). Of course the most valuable car I gave ever owned was only worth about $36K. So far, my strategy has worked and saved me a lot of money.
This is a good topic since the value of older air-cooled models has continued to increase at such a fast rate the last few years. I may have to reconsider an "agreed-to value" type insurance.
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74 Targa 3.0, 89 Carrera, 04 Cayenne Turbo
http://www.pelicanparts.com/gallery/fintstone/
"The problem with socialism is that you eventually run out of other people's money"
Some are born free. Some have freedom thrust upon them. Others simply surrender
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