<prompt> Human: The car is a 2015 VW Golf with 67k miles, worth 10,500. Im fighting the urge to buy a new car right now! Im currently paying 850year for full coverage, so around 70month.If I drop it to liability only, the cost will become negligible - less than a netflix membership. My car before this one was a 2012 civic that I bought cash and liability only coverage on it was -50 negative 50 - allstate paid me 4month to insure my civic.Question is, what do I do? I know 850 is technically less than 1,000 so the numbers say keep full coverage for another year, but Im wondering if its worth the risk. What would you guys do?  <response>: Keep full coverage. Dont trade it in. Drive it until the wheels fall off. Whatever excess there is, put into your savings. 