<prompt> Human: I own a 2001 Honda Civic. It runs great and Ill probably drive it until it dies. According to kbb.com, my car is worth 2,800 sell to a private party in excellent condition, but I would probably guess its more likely good condition 2,300.My auto insurance USAA includes collision coverage on the vehicle with a 1,000 deductible. The statement says it adds 109.08 to my 6 month premium.My question is, given that my car isnt worth that much more than the deductible probably around 1,300, is it worth paying the 218year for collision coverage? Does collision coverage cover more than the cost of the car? Some additional info: I dont use the car that often its not a commute car and if the car got totaled, I have enough in my emergency fund that I could find a used car to replace it with. It wouldnt be a major hardship to be without a car for a few weeks while searching for a replacement.  <response>: I have enough in my emergency fund that I could find a used car to replace it with. It wouldnt be a major hardship to be without a car for a few weeks while searching for a replacement.Then you probably dont need collision insurance.Personally, I wouldnt put collision coverage on anything worth less than 3000. Id rather cover that in cash if it came down to it, and put the premiums towards something else. Ill pay 3000 in cash to replace my car, and anything over that Id want to be insured. Whats your cutoff price? 