If your car is paid off and no bank involved, you could drop both comp and coll but you would have to think real hard on that because you would have to be able to replace the car
A rule of thumb I've heard is that if the annual premium is greater than 10% of the vehicle's book value, then you are generally better off without it.
I had progressive for 16+ years and after getting hit from behind in that parking lot accident . . . I don't call it an accident . . . They raised my primium twice in the same year so I switched to Geico and the price dropped by 1/3 for the same coverage. They did have a discount for miles driven per year and I am in the 8000 a year range so that may have helped a lot.
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