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This is just my opinion but if the car is over 7 years old, or has a K.B.B value of less than 10,000 USD.
Unless of course its some sort of rare or luxury automobile then I can't judge when to get rid of it.
It also depends on how "accident prone" you are. If you tend to get into accidents alot (where you are At Fault) then collision insurance might be a good thing to happen, but if you tend to only get into accidents that are other peoples' fault then....
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