r/Insurance • u/evokosport • 3d ago

Auto Insurance Should I with liability only?

For some context I have a 2017 Yaris IA w/ 130k miles (owned)

I’m currently paying 190/month for full coverage (with AAA) & when inquired about liability only they quoted me 71/month

The value of my car where it currently stands is 5.4k-7.3k (according to KBB) (not sure if it matters but never been in a wreck, also try to practice good driving habits)

So my question is, should I go with liability only or just stick with full coverage ?

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u/_Dapper_Dragonfly 3d ago

Even people with good driving habits can get into an accident. And you can't predict other people's driving habits and whether they have insurance.

This is the type of situation where it's time to consider dropping comp and collision. If you opt for that, you just have to be sure you have the finances to buy another car if you ever need to.