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If you’re doing the math for your own ride-hailing vs. ownership comparison, don’t forget to factor in your car insurance policy. (Photographer: Brent Lewin/Bloomberg) If you’re doing the math for your own ride-hailing vs. ownership comparison, don’t forget to factor in your car insurance policy. (Photographer: Brent Lewin/Bloomberg)

With a ride from Uber and Lyft practically around every corner, city or suburban-dwelling car owners may be tempted to ditch the responsibilities of car ownership entirely.

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