This is a personal choice and will likely depend on the value of your vehicle vs. the cost of the Collision coverage.
If you are unsure of the current market value of your vehicle, you may want to run a value calculator on a site like www.NADAguides.com or www.KBB.com. While this does not guarantee any particular payment in the event of a loss, it could give you an idea of what your vehicle may be worth.
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