I’ve got a 10-year-old sedan that's still running great, but I’ve been wondering if it’s worth keeping full coverage on it. My premiums aren't terrible, but I’m starting to question whether I'm overpaying for protection I might not really need anymore.

From what I’ve been reading, full coverage (which usually includes comprehensive and collision) is ideal for newer or high-value cars—but for older vehicles, the cost of the policy might outweigh what you’d actually get back from a claim. It really depends on your vehicle’s current value and how much risk you’re willing to take.

For anyone else asking the same question, I came across this helpful article that goes over different insurance coverage options for Pittsburgh drivers, especially when deciding what’s essential and what’s not as your car ages.

It also linked to another breakdown focused more on cost-effective coverage in the Pittsburgh, which gave me a better idea of how to save while still staying protected.