Since I've started owning my own vehicles, I've paid GEICO well over $7000 in full coverage insurance. While I'm glad I've never had to file a claim, and I hope it remains that way, I'm sick of getting raped every 6 months for absolutely no gain in anything but I suppose, peace of mind. Now I know as soon as I remove certain coverage I'm going to have an issue, which is why its so hard for me to do it. I've already increased my collision deductible to $1,500. I wouldn't even have collision except I'm not in a position to buy a new car if I do manage to wreck mine. I'm thinking that money would be best allocated to uninsured motorist coverage (which I do not have). I reduced my bodily injury liability but kept my property damage. What do you guys think? Where should I trim the fat in my insurance policies? For 20/50k (around there) in bodily injury, 250/300 (I think?) in property, PIP, collision (1,500 deductible), comprehensive ($250 deductible, but its cheap) I pay $1200 a year. Now before you all say "Switch to USAA", they quoted me $1200 every six months. I'm just at a loss. I've had GEICO forever, over 5 years, I like them. No claims, no tickets, and they're still kicking me in the balls. What would you do?