[Venturer]

That’s what the government wants.

But wait. Who would carry comprehensive insurance on a car that is only worth $3500 dollars anyway?

I drop comprehensive coverage when they are only worth that amount and only carry the required liability.

The cost of the insurance probably arund $500 bucks, plus the deductible probably another $500 bucks have you putting in $1,000 dollars towards fixing a car that’s only worth $2500 dollars now.

It’s a small gamble just to take the comprehensive off the car and trust to luck, plus any car that only costs $2,000 dolars to fix —not counting the air bags —you can beat out the fenders and still drive it —sans air bags.

[Cincinatus' Wife]

......—you can beat out the fenders and still drive it ....

Thanks for the advice. Can you "beat out" plastic fenders?

[cuban leaf]

I cancelled the comprehensive ($50 every six months) on my 2001 Chrysler 300m that we have owned since it was brand new with 8 miles on it. The car had 150k miles on it and was still in like new condition. Four days after I cancelled the comprehensive, I was following my wife and watched a buck run right into the side of the car. The deer hit the front fender, ripped off the mirror, kicked the bottom of the driver door trying to stay up, spun around and nailed the back door with his butt. This was the result:

We renewed our comprehensive. It's just too cheap, considering the risk around here. It would have totaled the car and given us a minimum of $4,000 to use to get a 4wd truck, which much more fits our lifestyle in the country vs our old life in Seattle. Bummer. Now it's my daily 97 mile commute car. I'm driving it into the ground...

[George from New England]

What do you do when the insurance company will not sell comprehensive coverage WITHOUT collision coverage? Both or none. It’s an association, farm bureau, with still better rates than anywhere else.

I also hate that they mandate social security numbers on all drivers to write us a policy period.

[Dr. Bogus Pachysandra]

Now you’ve really got me wondering. I have a mint 2001 Highlander Limited. I very seldom drive more than 10 miles a day. Most days only 3/4. Now I’m wondering if I should drop the Comprehensive part of my insurance. On a very limited budget here. Time to stop in and talk to my insurance guy, I guess.