I am looking for ways to cut back and since my auto insurance policy will be up for renewal next month, I figured I consider that. Right now I pay $575 every six months. I have a 2002 Ford Explorer. I have $100,000/$300,000 liability limits, which I intend to keep. If I drop the full coverage, my cost would go down by $300. I put full coverage even though I bought used because if I get in an accident, I wanted $ to fix the car or replace it. Not sure it is worth it though. Opinions?