Good point. If the car is totaled, what would they pay you? So if the car is worth less than $3500 I might drop the collision and comprehensive. You need something from your insurance if you are at fault and reck your car.
I have a clean record, with no incidents or tickets, though my wife does.
I've just never been able to insurance for less than $40 per car. Even our old junker 1979 Toyota pickup with only the minimum on it was about $40 per month on the policy.
I'd be interested to know who you insure with.
Statler: Wake up you old fool. You slept through the show.
Waldorf: Who's a fool? You watched it.
2015 Leaf S (leased until May 2018, Bought out in Jan 2017)
2012 Leaf SL (purchased May 2015)