My insurance policy renews next month and it's going to increase (again) another $9/mo; since I moved from Asheville, where I was paying just under $50/mo, I will be paying $89/mo starting next month. I have not made any changes to my policy for over a decade and I have not been in any accidents or been cited for any moving violations (tickets) since 2015 (rear-ended someone at 10mph). I realize insurance is going up across the board for everyone, but I was just wondering if it's worth it to carry collision on the MM since the insurance company will most likely total it if I were to get into an accident due to many OEM parts being unavailable/very difficult to get and the fact that it's 20 years old with 185k miles and has a value of less than $5,000 in their books.
Update (3/6/24): I've decided to keep things as they are in regards to my insurance for now as it appears that even though my rates have nearly doubled in 4 years, I'm paying on the low end compared to most people...
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