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How Old Should a Car Be to Drop Collision Insurance

It can be tough enough deciding when to buy a new car, let alone deciding when to drop collision insurance. Here are four factors to consider: 1. Age of Vehicle The oldest a car can be before you need to start thinking about collision insurance is 7 years and 6 months. After that, the premiums for comprehensive and collision coverage will increase significantly. 2. Miles per Year The older the car, the more miles it will rack up over time. This means the insurance bill will also be higher. 3. Damage Type If your car has been in a lot of accidents, it’s going to be expensive to insure. Damage from collisions involving other vehicles (e.g., head-on collisions), as well as damage caused by hitting objects (e.g., trees), will cost more than damage caused by faulty brakes or tires. 4. History of Collisions If you have had a lot of collisions in the past, your rates are likely to be higher than if you have only had one or two accidents in your history. In fact, many insurers will refuse to insure cars with a history of collisions altogether.

What is Collision Insurance?

Collision insurance is a type of insurance that provides protection in the event that your car is in a collision. The coverage, which can vary depending on the insurer, will cover you for medical bills and repairs, as well as lost wages if you are unable to work due to the crash.

The minimum age to drop collision insurance varies by state, but is typically 18 or 21. Some insurers may also require a driver’s license or proof of financial responsibility. You should always consult with an agent or policyholder representative from your insurance company to determine what is required in order to drop coverage.

Types of Coverage

There are a few different types of coverage that you may need when filing a car insurance claim. Collision coverage protects you and the other driver in the event of an accident. This type of coverage usually kicks in after your vehicle has been damaged in a collision. Liability coverage protects you from being held liable for damages that occur during an accident. This type of coverage usually covers you if someone else is at fault for the accident. Finally, comprehensive coverage includes both collision and liability coverage. This type of coverage will help to cover any losses that may occur as a result of the accident, such as damage to your property or injury to yourself.

When Should You Drop Collision Insurance?

If you are over the age of 25, you should drop collision insurance coverage on your car.

If you are under 25 and own a car that is registered in your name, you will need to get your parents or guardians to buy insurance for your car.

You can only drop collision insurance if your car has been registered for at least 6 months.


This is a question that comes up quite often, and one that is unfortunately not always easy to answer. Generally speaking, the older your car is, the less likely it is to be able to receive collision insurance. This isn’t because older cars are inherently poorly made — it’s simply because they are more likely to have been in accidents in the past. If you’re thinking of buying a used car, it’s important to research its history before making a purchase so you know whether or not it qualifies for collision insurance.

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