kr williams @ att.net wrote:

I pay about $1800 a year to insure two vehicles (car and pickup)
each older than 10 years. On a per-vehicle basis, the bill works
out to $340 for bodily liability, $444 for accident benefits,
$90 Direct compensation (property dammage), $74 Loss or Damage
($500/$1000 deductible).

What is the value of your cars
On 10+ year cars, it's usually a waste of money to have
collision. You can put that money in the bank for your next car.

That's true long before 10 years, though things are changing,

Did you not read what I wrote?

Look at the fraction of my insurance premiums that actually cover damage
or loss of the vehicles, vs what I'm paying for bodily injury / accident
benefits.

I'm paying pretty close to the minimum to actually cover loss/damage to
the car, and I think I have the highest deductible available.