Originally Posted by
bluefoxicy
Once I get my loan paid off I might drop full coverage, too ... I'm not totaling my own car, and if another party is at-fault for destroying my vehicle then their liability covers it. Besides, I can get around on a bicycle and motorcycle just fine.
Don't assume you won't total it. The couple who lived next door to me a few years back dropped full coverage on their car insurance to save some money and within a week they rolled it on ice and totalled it.