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I went through the college minefield of having the minimum amount of insurance for my car. Having a grown-up job mandated the sled must be fully insured no matter how much it costs. And finally auto insurance companies seem to be trying (trying) to keep and attract customers with improved service (anyone who drove in the 80's can tell you about abysmal service and inflated rates.) This type of insurance has improved for me in the past ten years. The internet also allows for printing of necessary and lost documents.