When Should I Drop Collision Insurance On My Car? 
Dropping collision on your car depends on how much you wish to self insure . As long as you do not have a loan you can drop collision anytime . However one of the more common times to consider dropping collision is if your vehicle is worth $ 3500.00 or less . The reason for this thinking is this is the amount uninsured motorist property damage would pick up in the event you are hit by someone with no insurance . Of course your still on your own if you cause the accident or if your involved in a hit and run type situation where you do n't know who caused the accident . You may want to look at what you actually are paying for collision coverage and what the vehicle is worth in a total loss since this is all your going to get . 