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OK...plain and simple... First, if the z is not on the road, don't carry anything but comprehensive....your wasting your money! Second, the insurance company can't charge you for what they dont know about. However this is a double edged sword...if you dont tell them about your upgrades (including engine, suspension, and body work) they cant charge you or cancel you for it. However, if the z (god forbid) is damaged or totaled they dont have to pay you for the damaged upgrades since you didnt tell them they were on there. And to make matters worse, if they are in a bad mood they can cancel you for lying to them. Hope this helps.
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