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There are two major systems of auto insurance in the United States: tort and no-fault insurance. Most states allow just one or the other type of insurance, but a few give you the option. So what's the difference?

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When you pay for auto insurance, you are paying for the types and levels of coverage you are getting. So, naturally, you will save money by dropping coverage. But you can't drop just any coverage, since a lot of it is really important.

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