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Cheapest liability insurance ?

“I would like a jeep cherokee as being a first car and that I cant decide between 4×4 and 2×4. Our friend told me that fourwheeldrive will increace the car insurance . I currently imagined insurance was priceyHowmuch is gonna charge in Insurance if I buy repair vehicle here in califonia?

Basically sit to my insurance carrier about who lives with me is the fact that considered insurance fraud