[A_perfect_lady]

I am good defensive driver, never had an accident in 64 years of driving in places like Chicago... I made the right decision to buy only required minimum liability insurance.

I've been thinking about this. I paid off my car early (it's a 2020) but kept the full coverage. But it's going up, dramatically, even as the value of my car goes down. I resent this a lot. I'm thinking of dropping my coverage to basic liability. My only fear is hitting a deer. I live in a rural area and the damn things leap out in front of cars like they're on suicide runs. I haven't decided yet.

[Bobbyvotes]

Nothing is 100% sure in life except death and taxes.
A deer hitting your car is less than 0.01% probability.
Do you really want to keep paying collision coverage for such low probability? Your insurance company will be very happy to take your money.

With the money you will save on insurance, you can fix damage to car, if it ever happens.