Bearishgurl I always eliminate any extra insurance(read that as not mandated by law) as soon as a vehicle is paid off. Of course I have more vehicles than I need, so your case may be different. Currently have one vehicle down as the alternator just went out on it, almost $1000 dollars for the stealership to fix it. Bought the refurbished Bosch alternator last night and am going to put it in this afternoon, savings $800.