this post was submitted on 28 Jul 2026
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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.