I'm paying $1154/year to cover a 2002 Impala (242k miles) and a 2011 Equinox (173.5k miles). No Collision Coverage on either one, just Compulsory and Comprehensive. I usually drop Collision after the 4th or 5th year (after I buy a vehicle brand new). Can't remember if I bumped the Deductible to $1,000 ... but think so.
I always try to cut the number as low as I can and "drive on my record" ... because history (for me) says that's the most prudent thing to do. And now, 30 years in ... I'm way ahead of the game.
My truck just turned 5 years old and wife's car will be 5 in October. I often think about dropping collision, but not until at least 7 or 8 years old.
I am glad we have Comprehensive. After driving +50 years never had a crash, etc. Wife got backed into some 15 years ago while her car was parked. Other insurance paid for that.
But good thing about the Comprehensive. We had a deer run into my truck at 5 in the morning in the Fall of 2018. Then in Spring of 2020 we had a deer run UNDER wife's little Sonic in the rain late afternoon on the interstate in somewhat heavy traffic.
We were in the right lane and two cars in the left. One was along side of us and the other about two car lengths ahead of the other car. Somehow, a deer made it in between the two, but I think car one clipped the deer and it went skidding across the road and into and under our car's lower bumper/grille.
That little car somehow dragged that deer completely under it for 150 feet as we edged off to the road shoulder and then went flying out the back.
Anyway, never came close to hitting a deer in all these years then two of them two years apart.
EDIT : Oh, and since this thread is about insurance. It covered both under the Comprehensive. It seems the state considers deer running into you as damage caused by nature I guess.
And the Sonic repair bill was $3,400 for a new lower bumper, fog lights, a new radiator, radiator fan and A/C condenser coil plus antifreeze coolant and A/C refrigerant.
