For the sake of $67.50/month, keep the full coverage. If you need it, you'll be thankful you had it; if you never need it, you'll never get into the MB or Buick hoping that you're trip to the mall will be uneventful. I'm speeking from experience, 2 weeks after buying my MB, I got side swiped at a stop sign. Thankfully, both the driver of the other car as well as myself were fully insured and my car was repaired very quickly with minimal contact between me and my insurance company, the other drivers company and the repair shop. I just brought it in, got it fixed and drove away!