My Car is getting older- When can/should I remove Comprehensive and Collision coverage?

Once you own your vehicle free and clear, you are able to remove Comprehensive and Collision coverage.

Deciding whether or not you should is a whole other ballgame though. We generally suggest going online to Kelley Blue Book ( to determine the actual value of your vehicle. Then ask yourself, “if my car gets into an accident, am I ok to pay out of pocket to repair the vehicle or accept that it is a total loss and take on the cost of a new car”?

Another reason to keep Comprehensive and Collision even on an older vehicle is that if the vehicle is in an accident, the insurance company still pays the cost to tow it as well as any fees that accrue while the vehicle is in the tow yard (these add up fast).

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