If you’re comfortable replacing the car with your own cash and taking the risk the driver might total it, go for it.

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May 5, 2024
6:08:01pm

SierraCoug All-American

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SierraCoug

Bio page: SierraCoug
Joined: Oct 12, 2008
Last login: Jun 16, 2024
Total posts: 37,270 (517 FO)

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Messages

Author

Time

How do you decide when to go from full auto insurance to liability?

chismoso

May 5, 5:55pm

If you have the ability to let it go or replace it without needing an insurance check...

Tokolosh

May 5, 6:01pm

I think the driver of the car matters here. If it's a 16 year old's car, then full coverage. They are much more likely

HarlemCoug

May 5, 6:01pm

Yes but full coverage for a 16 year old is also way more expensive

cougarfann888

May 5, 6:14pm

My 17 yr old totaled his car last month. I'm glad we had full coverage.

HarlemCoug

May 5, 6:48pm

RE: How do you decide when to go from full auto insurance to liability?

Tare

May 5, 6:02pm

When suddenly losing the vehicle wouldn't cause you financial pain

Cougar Junkie

May 5, 6:03pm

If you’re comfortable replacing the car with your own cash and taking the risk the driver might total it, go for it.

SierraCoug

May 5, 6:08pm

Thanks for the advice. Before covid I would have already moved to liability

chismoso

May 5, 6:09pm

When the deductible gets close to the value of the car.

ochobeeguy

May 5, 6:18pm

The day the car is paid off.

misterpepper

May 5, 6:39pm

Depends. I had a newer Escalade paid off that I carried full coverage on but

Big Daddy D

May 5, 6:45pm

When I live in a deer free zone

Chicago Cougar

May 5, 7:14pm

I totaled my car 2 weeks after going to liability only. It was still worth 5K. I

qwerew

May 5, 8:16pm

When the value of the car is less than the annual difference between full and liability

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