If you own your car outright, drop collision and keep liability and add glass and theft and bump up the medical on the liability.
You can get coverage a lot cheaper of you drop the collision part, but it does mean that if you’re not on the ball and run off the road and smash up your car in a ditch or onto a curb/stone wall/ whatever… it’s on you.
As I told my insurance agent, why should the insurer pay if I’m not paying attention to what I’m doing behind the wheel?
If you own your car outright, drop collision and keep liability and add glass and theft and bump up the medical on the liability.
You can get coverage a lot cheaper of you drop the collision part, but it does mean that if you’re not on the ball and run off the road and smash up your car in a ditch or onto a curb/stone wall/ whatever… it’s on you.
As I told my insurance agent, why should the insurer pay if I’m not paying attention to what I’m doing behind the wheel?
He agreed.