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When can you remove full coverage from an older car?

I drive a 2007 Pontiac G8. I still have full coverage on it. Is there a recommended time to remove full coverage?

Emily Maracle · Updated on Sep 10, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

“Removing full coverage is entirely your prerogative. However, most finance experts recommended that you follow the 10% rule. This rule dictates that if your yearly full coverage auto insurance costs 10% or more of the value of your vehicle, you should strongly consider lowering your coverage levels or switching to liability.

Or, you can remove full coverage once your policy premium or the cost of

comprehensive insurance

and collision insurance exceeds the value of your vehicle. Since full coverage would repair or pay out the actual cash value of your vehicle should it be damaged, you’d don’t want to be paying more for coverage than you’d be paid out.

However, whether you choose to keep full coverage on your vehicle is your choice!

If you feel more comfortable with the extra protection, you can keep it. But if you still want to save some cash, make sure to sign up with

. Use this site to compare quotes and find the best rate for your auto insurance needs, regardless of which level you decide to choose”

More:

11 car insurance hacks to save you money

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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