When your vehicle is worth less than 10 times what you pay each year to insure it, collision insurance is no longer a good deal. For additional savings, drop comprehensive insurance (covers damage caused to your vehicle by theft, vandalism, fire or any “act of God,” such as flood or hurricane) at the same time. These two options may cost more than an older car is worth. Find your car’s estimated value at the Kelley Blue Book Web site, www.kbb.com.