My car is finally paid off. I did not think this day would ever come. I have waited for five long years to finally call my little car my own. I do have a big decision to make now. Do I keep full coverage on the vehicle or drop down to only liability insurance. If my car was to be in an accident where it was my fault and I did not carry full coverage, I would be without a car. This is a very scary thought, since I use my car to get to work everyday. It would be nice to lower my insurance premiums, I have some thinking to do on this subject.