I have two agents telling me something different and the cost is between the two is huge. My current agent has collision and another agent said we do not need it because the car insurance would cover the boat in tow, which is what I had always heard. I even question my current agent when I got my boat insurance and he said that i needed collision because if something happened with the trailer that caused the accident the car insurance would not cover it I would need to be filed on the boat policy. Can some confirm who is correct? We are talking about a $350 difference in price.