{"id":16369,"date":"2012-11-26T00:15:44","date_gmt":"2012-11-26T08:15:44","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=16369"},"modified":"2022-10-11T13:38:13","modified_gmt":"2022-10-11T20:38:13","slug":"how-i-know-when-to-drop-collision-comprehensive-auto-insurance","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id16369-how-i-know-when-to-drop-collision-comprehensive-auto-insurance.html","title":{"rendered":"How I Know When to Drop Collision &#038; Comprehensive Auto Insurance"},"content":{"rendered":"<p><a href=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2012\/11\/collision-and-comprehensive-insurance.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-16467\" title=\"collision and comprehensive insurance\" src=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2012\/11\/collision-and-comprehensive-insurance.jpg\" alt=\"\" width=\"330\" height=\"247\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2012\/11\/collision-and-comprehensive-insurance.jpg 500w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2012\/11\/collision-and-comprehensive-insurance-300x225.jpg 300w\" sizes=\"auto, (max-width: 330px) 100vw, 330px\" \/><\/a>Although we refuse to admit it, everybody is occasionally guilty of holding on to things a little longer than they really should.<\/p>\n<p>I often question the Honeybee&#8217;s motives regarding her proclivity to keep around old birthday cards and our kids&#8217; elementary school papers. If you&#8217;re interested, I&#8217;m sure she can show you the very first perfect score Matthew ever received on a spelling quiz he took in kindergarten. Never mind that our son is now a high-school sophomore &#8212; or that our closet is getting <strong><em>really<\/em><\/strong> full.<\/p>\n<p>Whenever I ask the Honeybee why <a href=\"https:\/\/lenpenzo.com\/blog\/id6051-what-to-keep-in-your-fireproof-safe-2.html\">she refuses to toss stuff<\/a> like that in the trash after all these years, she always comes back with the same frustrating response: &#8220;Hey, you never know.&#8221;<\/p>\n<p>I guess that&#8217;s true, but it defies all sense of reason.<\/p>\n<p>Before you accuse me of throwing rocks from my glass house, I realize I&#8217;ve got my own issues with being unable to let go, too.<\/p>\n<p>I remember the time I stubbornly refused to part company with my trusty &#8212; but very old &#8212; barbecue grill, even though <a href=\"https:\/\/lenpenzo.com\/blog\/id627-extended-warranties-4-essential-questions-to-ask-before-you-commit-2.html\">it was clearly ready for the scrap heap<\/a>.<\/p>\n<p>Don&#8217;t laugh, ladies. The truth is, most guys tend to get attached to their barbecue grills the same way they get attached to their dogs. It&#8217;s practically a law of nature, as sure as the sun rises in the east and sets in the west.<\/p>\n<p>I know a lot of folks make the same mistake when it comes to keeping the collision and comprehensive coverage on their auto insurance &#8212; especially people like myself who drive older cars. Don&#8217;t think I didn&#8217;t keep that in mind earlier this month when I was renewing the insurance my 1997 Honda Civic and 2001 Honda Odyssey.<\/p>\n<p>We all need liability insurance, which protects us from damage we do to others or their property. However, that&#8217;s not necessarily true for collision and comprehensive insurance which covers:<\/p>\n<ul>\n<li>repairs or replacement to your car if you&#8217;re in an accident that&#8217;s your fault.<\/li>\n<li>losses caused by theft, vandalism, natural disasters, and other events.<\/li>\n<\/ul>\n<p>Why? Because, oftentimes the <a href=\"https:\/\/lenpenzo.com\/blog\/id10281-18-tips-to-consider-before-buying-auto-home-life-insurance-3.html\">potential benefits derived from insurance<\/a> may not be worth the premiums when compared to the actual risk &#8212; at least for folks who have the means to cover the total loss of their vehicle.<\/p>\n<p>Of course, that requires making a few assumptions and then running the numbers.<\/p>\n<p>To help me make <em>my<\/em> decision, I used a spreadsheet to summarize the comprehensive and collision premiums my insurance company was offering on each vehicle, and evaluate the potential coverage benefits. Here&#8217;s what it looked like:<\/p>\n<p><a href=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2012\/11\/Insurance.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-16460\" title=\"Insurance\" src=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2012\/11\/Insurance.png\" alt=\"\" width=\"499\" height=\"222\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2012\/11\/Insurance.png 954w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2012\/11\/Insurance-300x133.png 300w\" sizes=\"auto, (max-width: 499px) 100vw, 499px\" \/><\/a><\/p>\n<p>Before I could make a proper analysis on whether or not comprehensive and collision insurance was worth the price, I had to determine the replacement costs of the vehicles being insured. I used the <a href=\"http:\/\/www.kbb.com\/\">Kelley Blue Book<\/a> private-party sale figures to help estimate the value of both my cars. For the 2001 Odyssey, that&#8217;s approximately $5250.<\/p>\n<p>The next step was to determine the actual benefit of each type of insurance. I determined those values by subtracting the applicable deductibles from the vehicle replacement costs. For example, the Odyssey&#8217;s collision insurance benefit was $4250.<\/p>\n<p>Now here&#8217;s where the rubber meets the road. Based upon an annual collision premium of $88, it would take about 48 years ($4250\/$88) before the total premiums paid would surpass the Odyssey&#8217;s replacement cost. Whether that is a good deal &#8212; or not &#8212; depends on how often I expect to get into an accident that would total the vehicle.<\/p>\n<p>In my family&#8217;s case, our driver accident rate is, conservatively, roughly <a href=\"https:\/\/lenpenzo.com\/blog\/id7744-why-bad-drivers-prefer-aftermarket-over-manufacturer-car-parts-3.html\">once every 20 years<\/a>. As a result, I decided to keep the coverage on the Odyssey since I would expect to pay, at that premium, slightly less than half the mini van&#8217;s total replacement cost over that time period before making a claim. I kept the comprehensive insurance on the Odyssey for the same reason.<\/p>\n<p>As for <a href=\"https:\/\/lenpenzo.com\/blog\/id4082-dogs-and-old-cars-why-both-are-worthy-of-being-mans-best-friend.html\">my trusty Civic<\/a>, well, that was a different story. After running the numbers, I decided to drop the collision insurance because, with an annual collision premium of $77, and a potential insurance benefit of just $750, it would take less than 10 years before the premiums paid to the insurance company surpassed the car&#8217;s replacement value &#8212; a period far shorter than our historical driver accident rate of once every 20 years.<\/p>\n<p>Naturally, before estimating <em>your<\/em> personal accident rate, you&#8217;ll want to take into account changing factors including your past and future driving habits. For example, if you expect to begin racking up more miles because of <a href=\"https:\/\/lenpenzo.com\/blog\/id977-evaluating-the-costs-of-a-longer-commute-when-its-better-to-just-suck-it-up.html\">a longer commute<\/a>, it may make sense to assume that your risk of getting into an accident will increase somewhat.<\/p>\n<p>On the other hand, you may be able to assume your accident rate will actually decrease if you&#8217;ve become a more defensive and responsible driver over the years &#8212; or if you plan on winning the lottery and becoming wealthy enough to eventually hire a chauffeur.<\/p>\n<p>Hey, you never know.<\/p>\n<p style=\"text-align: right;\"><span style=\"font-size: smaller;\">Photo Credit: Commodore Gandalf Cunningham<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Although we refuse to admit it, everybody is occasionally guilty of holding on to things a little longer than they really should. I often question the Honeybee&#8217;s motives regarding her proclivity to keep around old birthday cards and our kids&#8217; elementary school papers. If you&#8217;re interested, I&#8217;m sure she can show you the very first [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[460],"tags":[],"class_list":{"0":"post-16369","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-insurance","7":"pmpro-has-access","8":"entry","9":"has-post-thumbnail"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How I Know When to Drop Collision &amp; Comprehensive Auto Insurance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lenpenzo.com\/blog\/id16369-how-i-know-when-to-drop-collision-comprehensive-auto-insurance.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How I Know When to Drop Collision &amp; Comprehensive Auto Insurance\" \/>\n<meta property=\"og:description\" content=\"Although we refuse to admit it, everybody is occasionally guilty of holding on to things a little longer than they really should. I often question the Honeybee&#8217;s motives regarding her proclivity to keep around old birthday cards and our kids&#8217; elementary school papers. 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