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Message: <blockquote data-quote="MadScientist" data-source="post: 586475" data-attributes="member: 5277">Dude I would totally shop around. Insurance rates for can vary significantly from company to company.  It doesn't hurt to collect a few quotes from a few different companies.  Just have your current policy in front of you when you are on the phone so you can be sure that you are getting the same coverage and are comparing oranges to oranges.My recent experience was with switching from Progressive to Geico, I actually got more coverage with Geico and am paying ~$500/year instead of ~$900/year.  Now I don't have collision on my 91' Sentra, but thats still a savings of like 45% for basically the same coverage, same car, same location.  If you could do that well that would save you around $1800/yeear, that would be significantly more affordable, also your car is like 12 years old... whats the book value on it?  How much could you save by dropping collision?  It may not make any sense to have collision on your car.  Just save your money so you have enough for a down payment on a new one in case something bad happens.</blockquote>