<prompt> Human: I was shopping for a newto me car and I got a quote from Geico. The car has a rough retail value of 25K.Here are the number that Geico spat out. Name Coverage Premium--------Bodily Liability 300K300K 100Property 100K 80Uninsured Moto. 300K300K 40Collision 2500 deduct. 265So why is collision coverage so expensive compared to everything else? Am I that much more likely to trash my car than to cause a serious accident?  <response>: Yes. Very much so. Youre more likely to cause a small accident that will cost them for your repairs vs a major accident. 