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If money is as tight as you claim, why the hell are you paying for towing coverage? Whether you drop comp/collision or not, towing should be the first to go. It's pure profit for insurance companies.

Not for our customers who bought it. ;-) Even @ $75/year, they managed to turn in more claims than they paid in premiums - Basically, they used the towing service in lieu of keeping their cars in decent repair.
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