You Seem Anxious About Something “Happening” To Your Car. I Understand That. Ordinarily Cars Are A Person’s Second Biggest Expense After Housing.
Face it, your owning and operating a vehicle in this country is going to be expensive. As pointed out, the cost should start coming down as you build a good driving record.
The good news is that there is something available to make you less nervous and that will allow you to sleep better. It is called insurance. I err on the side of caution when it comes to insuring everything, cars, home, boats, life, liability, etcetera. I carry coverage well beyond “normal” levels and I’m at ease and sleep quite well.
Relax and fork over the extra $40 per month and keep the liability, collision, and comprehensive. Later, when you feel more comfortable with the car and the dangers of ownership, you can consider adjusting the coverage.
What’s it worth to you to be able relax? If it’s worth 10 bucks a week, keep all the coverages for now.
CSA