re: At what point is it worth dropping collision insurance?

quote:

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I see folks all the time that get into an accident with an uninsured driver and are left with nothing.

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I mean, that's kind of the point. If I were in an accident, even if it was my fault, my medical insurance would pay for any injuries. My car, let's say, is only worth $5k. Yes, I'm now out $5k, but is it worth the risk. At a certain point, it's just not worth carrying anymore statistically.

Yes, I've shopped around about 4 years ago and then a year ago. I can get a good bit cheaper through someone like Geico (currently Allstate), but then my homeowners shoots up a good bit. Basically, it's a wash if I use another company for cheaper auto and pay the higher home owners. But I'd rather do it all with one company, so I 've made the decision to pay the higher auto and go with Allstate. The collision and comprehensive is actually a major portion of the bill, so being able to cut it out would be a "big" savings.