When do you drop Collision & Comprehensive Insurance?

[disneysteve]

I was sorely tempted to buy $125 of Everclear per month

We use Everclear to make our Limoncello. We're pretty well known for that actually.

[greenskeeper]

Ok sorry if this is a dumb question but on Kbb do you use the trade in value or the private party value to figure out what you'd get back from insurance if totaled?

most policies are "actual cash value" based on what similar cars are selling for. This is where you can argue for a higher settlement payment if the insurance company tries to low ball you.