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Cheap Full Coverage Auto Insurance The Real Difference Between Minimum and Full Coverage Car Insurance: We evaluated average rates for low-mileage car insurance policies, coverage options, complaints and collision claim processes to find the best low-mileage car insurance. Nationwide is the best . If your state requires you to carry other mandatory coverages like personal injury protection (PIP), medical payments (MedPay) or uninsured/underinsured motorist coverage, these will also be a part of .