Nater
New Member
You can take the collision off if you want to in order to save money. However, if another car hits yours and takes off while it's parked and does $2000.00 in damage, you have to pay out of pocket. Sure taking it off will save you money and it is your choice to decide that or not. As for reducting the deductible from say, $500 to $250, your rates will increase. You can go from say, $500 to $1000.00 and your rates should drop. It's your choice and you can have your insurance company do some leg work and give you quotes for your scenarios.