<prompt> Human: My understanding is that now I dont need full coverage. My wife and I have pretty good medical insurance already but we dont have a second car. Right now Ive got quite a bit of coverage through progressive. But do I really need it? It feels strange to drop all of those coverages.A couple side notes, paying the current amount isnt a big deal, as Ive been doing it for a while. Im 27, have had no accidents, but I do have a couple moving violations from the past 3 years. And it is an 08 Kia worth about 6,500 according to blue book.  <response>: Anecdote time. My husband paid off his car, and I told him to drop his coverage to liability. 3 days later, the car was totaled it was a sketchy situation, but we were found at fault. I still dont agree with it., and FORTUNATELY he did not listen to me. Insurance ended up paying almost 30 over KBB value on the total. 