My current car insurance will be expiring at the end of the month so I am doing my annual shopping. I own my vehicle, its a 1993 Toyota Pickup, 4x4. Worth maybe $3500 if I clean it purdy like. Single, 27 years old, male. So far my quotes are $95.27 from Geico for full coverage (50/100/100 and a $250 deductable which will be the numbers for all of my quotes listed), $70 from Progressive, $72 from State Farm, and a number of others around the $75 range. Now, my question is, should I go full coverage or just do PL & PD which is all I am required by law in California? Quotes are coming in around $35 - $50 a month. My issue with going this route is, if I get into an accident and it is my fault, I am footing the bill to either fix my truck or replace it. If I spend $30 more a month, I transfer that risk over to Progressive or State Farm or whoever, and they cut me a check (minus my deductable) and I get myself another vehicle. So my question to the GlockTalk Brain Trust, is $30 a month worth it? Seems to me that it is but I get a lot of confused insurance agents when I say i want to carry full coverage on a truck that is 17 years old and paid for.