Here's my 2 cents in two sentences. Insurance is a gambling contract, over the long run the house always wins. Don't buy insurance on anything that you can afford to replace if it becomes a total loss.
Besides, you've already hit your deer.
If I had followed my own advice at your age, I would be many $ ahead 15 years later. Plus, I didn't own as many cars as you. Now I own four cars, and I only have liability on three of them.
Keep in mind that lenders often require comp and collision on cars in which they have a security interest. Also, if there are accident-prone drivers in the family, or mystery dents often appear on your vehicles, you may have a greater need.
Different subject. How 'bout you go back to a thread you started and respond to some interested observers? Here, I'll make it easy. Click here.
FS: 87 300SDL Astral Silver/Blue 243k Recs