My car is worth $ 3,000 and I drive about 200 miles per week. I currently pay $ 517 for 6 months full coverage. My basic collision deductible is $ 400. Would it be wise to drop down to PLPD insurance and no full coverage?
It depends.
If your car is stolen, or in total by an uninsured driver, you get a hard time with the $ 3K $ 3K to buy another car? If so, you should always use the “full coverage”.