Should I Drop Full Coverage on My Auto Insurance?

 In Colorado Car Safety, Colorado Insurance Agency, Colorado Insurance Company, Colorado Insurance Professional

If something were to happen to your car and it was damaged or worse; ‘a total loss,’ would you have enough money to replace your vehicle? Would you be ok with that? This may be the most important question to ask yourself in determining whether or not to drop your collision and comprehensive insurance or not.

You’ll Have to Decide

There is not really a magical number that when reached you should drop your collision and comprehensive insurance. It is really up to you to decide. If you want to bet on your driving ability, maybe it’s worth it!? If you are worried that winter and icy roads are just around the corner, maybe you want to maintain full coverage for a bit longer.

Replacement Cost

How much do cars like yours get sold for on Craigslist or at the local dealership? What are they selling for online at sites like,, or This question will help you determine the replacement cost of your vehicle. If your car were totaled, could you afford the prices above to purchase a similar make and model? With that information in hand you can make a wise decision on whether or not you are ready to drop your collision and comprehensive insurance. If you decide to do this, ask your agent about Uninsured Property Damage coverage. If you need further assistance call your local insurance agent.

Affordable American Insurance

Affordable American Insurance is a local Colorado independent insurance agency. What makes Affordable American Insurance unique is that we represent multiple insurance companies. Stopping by an Affordable American Insurance office is a great way to start your search for insurance.

If you have any insurance questions, our blog is a great place to ask them. If you don’t feel comfortable posting your questions as a comment, give your local Affordable American Insurance agent a call and they will be happy to answer your questions.

More Companies. More Options. More Savings.

Affordable American Insurance

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Showing 25 comments
  • Boni

    Awesome blog over here! Thanks for sharing this information. I will visit your blog again into a couple off days to check if you have some new articles.

    • josh

      @Boni We are glad you have the knowledge to make a good decision on whether or not to drop your full coverage or not!

  • Elaine

    This is the best article I have read, thank you, I have learned a lot of knowledge in this area.

  • Modesto Union representation

    This is great, you do a good job. Thanks!

  • water conservation gift

    Great post, Love it. Keep it up. I appreciate it.

  • Bordeaux

    Nice Article! Quick read and informative.

  • Meble łazienkowe

    Terrific work! This is the type of information that should be shared around the net. Shame on the search engines for not positioning this post higher!

    • josh

      @Meble, thanks for reading our blog! We are actively working on getting all our blogs to rank better in the search engines. If you ever have any insurance questions or concerns drop us another comment and we will answer them! Affordable American Insurance is a great place to get your insurance if you are planning on switching.

  • Deon Biedrzycki

    Hey there. Just wanted to post and say that I valued this article. I’ll be bookmarking your weblog and browsing to see if you post any new ones. Thanks again!

  • Granville Kuan

    You are a very smart individual!

    • josh

      @Granville Kuan, I hope you learned something from our Affordable American Insurance blog. I do my best to write blogs that people will enjoy but also find useful.

      Thanks for reading our blog. Have a fantastic day.

  • Deetta Lamartina

    Straight to the point and well written! Why can’t everyone else be like this?

    • josh

      @Deetta Lamartina, I am glad you like my writing style. I hope that my blog and writing style remains unique. I hope you will come back and read some of my other blogs.

      To answer your question about wishing that everyone could write like this. I would simply say that writing is an art and if everyone had the same writing style then we might not enjoy reading as much and that would be a shame.

      Joshua Smith
      Affordable American Insurance
      Director of Social Media

  • mozaika kamienna

    you should to make a fanpage on facebook. great blog.

    • josh

      @Mozaika Kamienna We do have a Facebook fan and if you would like to check it out here is the link:

  • Florencia Celestine

    Totally awesome.

    • josh

      @Florencia We are glad you liked our insurance blog.

  • Darwin Dearment

    Do you mind if I quote a couple of your articles as long as I provide credit and sources back to your site? My blog site is in the exact same niche as yours and my users would truly benefit from some of the information you present here. Please let me know if this okay with you. Thanks!

    • josh

      Darwin you can quote as many of our blogs as you want as long as you link back to our blog. When you do post your blog let me know. I would like to read it.

      Joshua Smith
      Affordable American Insurance
      Director of Social Media

  • Duncan Brewen

    Awesome writing style!

  • Johnie Prause

    Awesome things here. I’m very glad to see your post. Thanks a lot and i’m looking forward to contact you. Will you kindly drop me a mail?

  • Rodger Duberstein

    Interesting approach towards this. What are your thoughts on expansion on a global scale? There are times when things like this begin to have global expansion and frustration. I’ll be around soon to check out your response.

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