When you’re considering skipping optional coverage, don’t bet on your abilities as a driver to keep you out of at-fault scrapes that could cost you thousands of dollars.Pattanaphong Khuankaew/iStockPhoto / Getty Images
I have always been surprised that collision and comprehensive insurance are optional. When would it make sense to skip them? – Ed, Toronto
While it’s a gamble to skip any insurance coverage, if you have an older car, you’ll likely…
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