over again. That being said, i'd rather pay 1200/yr with hagerty for 23k of coverage for the next 1.5 years until i'm old enough for grundy than have to pay it out of pocket. Part of having 'comprehensive' coverage is that i don't have to have that constant feeling of 'OH i HOPE nothing happens to my car.' IE if it only has liability coverage. Which is basically the situation i'm in.