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I realize that you require full coverage(impact, detailed coverage) if you are financing a motorcycle. My pal can be financing the bicycle. But why his full coverage is means cheaper than what I Have sought out? I also selected the $500 deductible on Comprehensive and Accident also. But the cheapest I got was $487/month-if-not $880/month. When I drop Coll and the Comp, my protection is simply $84/month. 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