[chajin]

I guess if people are aggressively cutting back on their vehicle mileage (vehicle-driven vacations and trips), I suppose they could update their vehicle insurance for a lower mileage and thus possible lower rates.

Another possibility, which is true for me, is to cut back on collision and comprehensive. My car is 16yo and any dent is going to "total" it, with remuneration below $1k, so that portion of the insurance isn't worth it; I'll drive carefully and sock away the difference.

[wrench]

“Another possibility, which is true for me, is to cut back on collision and comprehensive. My car is 16yo and any dent is going to “total” it, with remuneration below $1k, so that portion of the insurance isn’t worth it; I’ll drive carefully and sock away the difference.”

Absolutely!

Have carried liability only on cars for more than 40 years.
Even on some 2 and 3 year old cars. Have saved a lot of money.

Did you know any airbag deployment and the ins co totals the car?

A vehicle is the sum of its components and parts. But the ins co gives pennies for an older car no matter if a rolling junker or not, they do not care.

I could not afford 2 cars if fully insured, I have way more than 2 cars......