I would love some advice. I have been with USAA insurance for 51 years. I’ve never had an accident or a ticket. I have a 2018 car with 24,541 miles. My car is paid for but I’m still holding onto full coverage on everything. Should I delete some of the insurance coverage? I know there’s a certain amount of years when you should drop some things but I’m concerned considering my car has such low mileage. I am not ever going to change from USAA, but should I drop some coverages? Is it worth it?

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2024-09-07 17:56

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Miss Belle
scarves4paws

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最先回覆的內容
發文後	用戶	內容
38 分鐘內	miles mcmullin miles_texas	You’re overthinking this
3 小時內	Jim jtraviss09	We kept my wife's minivan just for hauling when she got a new car. We reduced the coverage to liability & comprehensive.
3 小時內	Channary \| Travels & Hiking Creator wild.be.traveling	Shop for insurance, you'll have to do the math on when to put liability. With a low mileage 2018, it still might be worth it to have full coverage but maybe lower the amounts (thats fully dependent on location and cost of vehicle etc). Usaa does not reward loyalty. I left them years ago bc their rates were so high.
5 小時內	Steve Hart twofalls.steve	That solely depends on your vehicles value.
5 小時內	Laura Frala lafralala	Can you afford to repair or replace it if you are in a wreck? If not keep your full coverage.
5 小時內	Gigi thenewife	Keep it fully covered !
19 小時內	Kim kfernwrites	It depends on your financial situation. If you can afford to go buy a new car with cash and pay for at least two other cars with cash that you might destroy, then sure. If that’s not the case, I would seriously consider what you can afford at the drop of a hat and using insurance to make up the difference.