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The answer is very simple: because of the type of market(pool) they are looking to insure. For example companies like United Auto, Windhaven, and Ocean Harbor understand that the type of driver they are going offer competitive rates to are those that are considered "high risk" clients. If a person has a foreign license, a history of traffic violations(especially DUI), or are very young these companies will usually be hundreds of dollars cheaper per term. Now if a person is a

The answer is real simple. No one. I believe that many people think they have this coverage because we have become so familiar with the term. That is not the case at our agency and I will tell you why. If you look up "full coverage" on Google you will see my point. You may notice that the top results state that the term is misleading, does not exist, or may be interpreted in different ways. They are all true. Some people believe that there are three options: "PIP", "Liabilit