At what point do you change a full coverage vehicle to liability only?

[03mustangdude]

Changing car insurance companies probably gonna give geico a shot.

I have the 12 5.0 paid off so am wondering if I should put it as liability only or keep the full coverage. At what point do most people change to liability only?

[kingjason]

Changing car insurance companies probably gonna give geico a shot.

I have the 12 5.0 paid off so am wondering if I should put it as liability only or keep the full coverage. At what point do most people change to liability only?

Never.

[chronical]

I don't know when but it's sure as fuck not when you are driving a 2 year old 5.0 that is paid off. Maybe when the insured car is worth less than 1k or so, I'd switch to liability

[Roscoe]

Never.

This.

If your car is worth so little that you don't care about it being totaled and having to replace it, I guess that may be a good time, but I doubt that's how anyone would feel.

[JC316]

My family has always had liability only. Never had an issue with it. Of course we're a family of car dealers, body shop men, and mechanics, so even if something happens, it's cool.

[Mysticcobrakilla]

No. Just no

[snacksnack]

When the insurance cost more then the car is worth. So in your case it would be quite awhile.

[Cooter]

Never.

this...

[slow99]

Certainly not now on that car.

[Blackpony]

Only when you dont care if the vehicle gets damaged.

[03mustangdude]

Well I have a 04 350z also that I want to out as liability since I only drive it 4 months out of the year..

[Cooter]

no way... if you've got 3+ vehicles on your policy, the difference per month per vehicle is probably $30-40/mo

not worth it. just keep full coverage IMO

[War Machine]

Both our cars are paid off, ol lady can't drive worth a shit so I have full coverage on hers, liability only on mine.

[Sleeper]

Once i reached a certian age the price difference was nill. Even now my pos 93 taurus has full coverage for 13.75 a month.

so i say never as well.

[SS Junk]

My '96 Camaro is liabilty only. Anymore, a fender bender would total it out so there's no point, and it gets driven maybe 10K a year... when it runs.