re: Car Insurance Question

quote:

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comp and collision on a 40k vehicle means the cost of a total would be 40k minus the deductible. on a 5k vehicle there is less on the line from the carrier perspective, thus lower rates on the coverage. 

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I totally understand what you're saying. But after a certain age, the comp and collision will not come down. There is a reason people drop the comp and collision coverage after a while because the insurance companies don't make it worthwhile anymore.