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If you buy it, and get full insurance coverage, they will replace it for free, with no raise on the premium. I had it done on my old Corvette. Just make sure the insurance company doesn't check the car out before they insure it. Also, wait a while before you make the claim after it is insured, like a month. Say a rock got kicked up and cracked the windshield. Or ask the seller to get his insurance company to repair the crack.
-Jeff
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