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$200/yr each with $1,000 deductibles sounds odd. I usually drop the comprehensive deductible to $100, as it doesn’t cost much more. In CA, a comprehensive claim doesn’t raise your rates. A $1,000 collision deductible means you don’t bother your insurance for small claims that raise your rates.
The insurance should pay you for what your kind of car is actually selling for retail plus tax, regardless of what KBB or anyone says. At $200/year, it would take you 20 years to break even on going bare. I wouldn’t make that trade.
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