Old cars (10-plus years) aren’t worth much. So at a certain point it doesn’t make sense to keep paying for collision and comprehensive (C&C) coverage on them. First, find the ‘book’ value of your vehicle (nada.com, edmunds.com or kbb.com or at the library).
Then add up the annual premiums for C&C. Chances are, you’re paying for the full value of the vehicle every three years. If you’re comfortable accepting a low level of risk, cancel your C&C coverage and put that money away. You’ll probably come out ahead.
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