There is no sure-fire formula to help you figure out if you should remove full coverage from a vehicle.  Some agents say if your vehicle is ten years old and/or has 125,000 miles on it, you may consider removing full coverage. Depending on how much your vehicle is worth is also a good determining factor.  If your vehicle is not worth much, there is no reason to keep paying for full coverage when that extra money could be put towards a new car.