Leasing a Vehicle Question!

On insurance, I know it has to be full coverage but what is the difference between that and what people usually get for insurance and how will it affect my quote?

This question is unclear. The vehicle is to be insured for the full amount of its replacement value as part of any lease agreement in the ones I've seem.

However, if you are underinsured somehow and wreck the car, you'd still be responsible for topping up to that full amount. Such a difference between your insurers payout to the lease co. and the value of the leased car is called a 'GAP'.

To prevent this from happening, dealers of higher-value leased cars may provide free GAP insurance. BMW does this and Acura to I've seen on their websites.

Iv got gap insurnace on my leased Nissan, it costs me like 3$ a month with td insurnace totally worth it but thats in alberta. they dont require this here but if your in an accedent it is so worth it, i wrecked my fathers acura when i was like 17 he didnt have it, there was like 10 g's worth of damage and they said that if they wrote it off we'd still owe 4 grand on the car its bullcrap but worth it