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1). Full Coverage – Fact or Fantasy? When I receive these calls, I will usually ask what the person is trying to accomplish by getting “full coverage”. So far, I have found most believe if they are carrying the “state minimum” coverages, they are fully covered. Additionally, I have found that there are two major categories people fall into when they say “full coverage”: 2). Worst Cheap Car Insurance EVER! Cheap Car Insurance – What You Don’t Know Can Destroy You & Your Family!