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DOESN'T PAY TO HAVE COLLISION COVERAGE IF YOUR CAR IS NOT WORTH $3,000

The risk to reward ratio is too low to warrant it. Remember, collision insurance only covers you for repairs to your car if you hit someone. If someone hits you, their insurance pays for your repair, including car rental, towing, etc. If you hit someone and have regular liability insurance (required by law in most states) but don't have collision coverage, your insurance company will still pay for the repair for the car you hit, but not the repairs to your car.

I will also show you a way to open your own home-based business in the next section so that...

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