It doesn't always make sense to buy collision coverage. Drivers who carry it pay more on their premium, and sometimes will not receive much in a payout for an older vehicle. Moreover, your rates go up if you file a claim, which can make things even more complicated.
We built a free data-driven calculator to estimate if filing a claim will end up saving or costing you money in the long run.
Want more info? See our full guide on car insurance.