Should I add comp & collision?

[Kneale Brownson]

Ask your insurance carrier (not the local "agent") how much they would pay
you in the event of a total loss.

At 11:11 AM 07/25/2003 -0400, David wrote:
>As you know, I've done a LOT of work to the CGT. I've got a lot sunk into
>it, far more than it's "worth". Right now I have liability only on her. I
>was think I really should have comprehensive & collision. But I'm not sure
>it makes sence. What do you think? Here are my prices:
>
>Liability only: $135.64/6month
>Liability + comp: $178.64/6months
>Full coverage: $242.23/6months
>
>Bascially, comp adds $43 per six months and collision with a $500
>deductable adds another $63.24. Thoughts?