> I’ve always wondered about the value of collision and comprehensive, since it seems to be one of the more expensive parts of car insurance As a general rule

> I’ve always wondered about the value of collision and comprehensive, since it seems to be one of the more expensive parts of car insurance As a general rule - You should buy insurance on something when you both 1) have to have it and 2) can't afford to replace it. Once you can afford to comfortably absorb a loss equal to the value of your car, you should consider dropping collision and comprehensive. For me that's when the car is worth less than around $5k.