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Should I drop full coverage on a 2011 Highlander?

My Toyota Highlander 2011 is fully paid off and it is in excellent shape. I want to drop the full coverage which is 175 per month. Should I? I have been driving for the past 30 years, I never had an accident

Agent Answer

Ava Lynch
Typically when the car is eight to ten years old (and paid off) we typically do not recommend comprehensive and collision coverage. The reason is that the value of the car is less than what the insurance and deductible can be. Since the car is in excellent condition and it’s only seven years old, the decision is really up to you. It’s right on the cusp. You don’t pay too much for your full coverage. I’d research the value of your vehicle to weigh the insurance cost vs. value. If you do remove comprehensive and collision, I’d still recommend uninsured motorist coverage to protect yourself if someone hits you that doesn’t have insurance. Good luck and if you have any other questions, don’t hesitate to ask.

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