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I had full coverage for the first two years.
Good thing when my rear windsheild was crashed and I got rear ended. Both events were fully covered.
After the rebuild I downgraded to liability.
Lo and behold my front windsheild gets attacked and it's an out of pocket expense.
In this particular instance the difference from my annual coverage and the windsheild reinstall expenses costed me about $400.
In my opinion unless you anticipate collecting at least $1500 in coverable damage per year full coverage isn't necessary.
Liability costs me about $50 a month with my age and record.
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