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All policies must adhere to the state minimum liability requirements, and any vehicle that is held as collateral, financed, or leased, is likely to require collision and comprehensive coverage. Towing, GAP, and substitute transportation benefits are optional, although often included.

Younger drivers may be eligible for a good-student discount, which can reduce prices by as much as 20%. Many Senior discounts are also offered to retired persons, and any policyholder that has reached age 65. Completion of defensive-driving courses also helps.