If your car’s getting up there in years, you might be wondering whether full coverage is still worth it—especially with insurance premiums not getting any cheaper. This is a common question in Pittsburgh, and honestly, the answer depends on your car’s value and how much risk you’re comfortable taking.
For those weighing the pros and cons, here are some solid Pennsylvania auto coverage tips that can help you decide if keeping full coverage on your older car makes financial sense.
Generally, full coverage includes both collision and comprehensive insurance. If your car’s current market value is low—say under $3,000—then the annual cost of full coverage might not be worth the potential payout after your deductible. But if your vehicle still holds significant value or you simply want peace of mind, keeping full coverage can be a smart move, especially in areas like Pittsburgh where winter damage, deer hits, or unexpected theft aren’t exactly rare.
What do you all think? Did you drop full coverage on your older vehicle, or did it still feel worth it?