<prompt> Human: I just paid off my 09 Jeep Wrangler, probably worth 12K-14K or so. I called my insurance company, and to get the comprehensive insurance dropped and just carry the minimum liability would save me all of 30month. If I saved that 30, in 10 years, I would have all of 3600 not considering any interest. Not worth it to me.I wanted to get your thoughts? At what point is it a good idea?  <response>: I would only do it if my car was worth less than 2-3K or some amount I can easily absorb, if my car was totaled. 12K car is still very valuable, and definitely worth keeping full coverage on. 