If you own your car outright, drop collision and keep liability and add glass and theft and bump up the medical on the liability.

You can get coverage a lot cheaper of you drop the collision part, but it does mean that if you’re not on the ball and run off the road and smash up your car in a ditch or onto a curb/stone wall/ whatever… it’s on you.

As I told my insurance agent, why should the insurer pay if I’m not paying attention to what I’m doing behind the wheel?

He agreed.