Is 100/300/100 liability insurance with collision and comprehensive insurance too much coverage for a 2008 Dodge Ram 2500?

My truck is the first vehicle I bought and the only one I've ever had. Because of the sentimental value, I have comprehensive and collision insurance in addition to my 100/300/100 liability. Is this too much coverage for a 2008 Dodge Ram 2500 with 150,000 miles?

Answer provided by
Eric Schad
Answered on Apr 22, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“Sentimentality often drives people to get more coverage than they need on an older vehicle. But that’s not to say you shouldn’t do it.
As far as your 100/300/100 liability insurance goes, that’s probably enough coverage for most places in the US.
Now for the comprehensive and collision aspect of this question. Since your vehicle has high mileage and probably won’t fetch a huge estimate, you might want to consider removing your collision and comprehensive insurance. If you do so, just drive diligently. If you keep it, you get some peace of mind at a price.
Either way, make sure to shop with the free Jerry app to compare numerous car insurance quotes in one place.”

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