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Originally Posted by Mr.Impreza
Thanks for the explanation and quick reply 
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Well, now on second look, bad example. But, really the full coverage thing is there to protect you. Fire and theft doesn't cover as much as a full insurance policy would (I don't believe). So, I guess if you're going to buy it out at the end of the lease, it may be worth making that call anyways. You might end up being able to save some money?