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When to Drop Collision Coverage, and How to Choose a Deductible
When to drop collision coverage: compare your car's value with the premium and deductible, understand comprehensive, and pick a deductible you can pay.
Topics
Auto
Most car insurance decisions come down to limits: how much the policy pays when you cause a crash, and how much protects you when someone else does. These guides explain the numbers.
Auto
Uninsured Motorist Coverage: Do You Need It, and How Much?
Uninsured and underinsured motorist coverage pays you when the other driver has no insurance or too little. What it covers and how much to buy.
Auto
Is State Minimum Car Insurance Enough? Liability Limits Explained
Is state minimum car insurance enough? What limits like 25/50/25 mean, the minimum in every state, and how to choose liability that protects you.
More calculators
Auto liability
Your state minimum vs what you own
Insurance deductible calculator
Compare two deductibles: see the yearly premium saving, the break-even point in years, and which option costs less based on how often you expect to claim.
Drop full coverage calculator
Should you drop collision and comprehensive on an older car? Compare the most you could collect with what you pay each year, in plain language.
Underinsured motorist calculator
If the at-fault driver's insurance runs out, how much would your underinsured motorist (UIM) coverage pay? Compare excess and reducing state rules.
Questions people ask
What do car insurance liability limits mean?
They are the most your insurer pays for injuries and damage you cause: per injured person, per accident, and for property damage, written like 100/300/100.
Is the state minimum enough?
It meets the law but often does not cover a serious crash. Anything above your limits can be claimed from you personally.
Do I need uninsured motorist coverage?
Some states require it, and it is worth considering everywhere, because it protects you when the at-fault driver has no or too little insurance.
When should I drop collision coverage?
When the car's value minus your deductible is small compared with the yearly cost, you can replace the car from savings, and the car is not financed.
Does Coverlee compare car insurance prices?
No. We explain limits and coverage choices so you can ask insurers for the right quotes; we do not sell insurance or collect quotes.