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i carry full coverage with american family on my 02 and its only 73 dollars a month for a year policy with 250 duductables and free glass coverage and as for the aftermartket stereo system in my tahoe i had to take out a renters insurance policy to cover that ive never gotten my aftermarket stereo covered under my auto policy its always been covered under either homeowners ins or renters
always go with an ins company that writes there policys for a year because if you get any tickets or stuff like that you have plenty of time untill renewal