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Just got off the phone with GEICO. I'm a bit apprehensive to mention things like coilovers, because I've heard that once you start playing with suspension, it's possible that they freak out entirely and drop you (or maybe that's just a complete rumor.)
In any event, I now have $2500 worth of wheels covered and it added a whopping $2.16/mo to my payments. Definitely worth it since I live in Chicago, lol. Car is garage parked, but obviously gets street parked in some situations depending on who/where I am visiting.
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