For me, if the car's worth less than $15k, then I don't need the collision/comprehensive on my car. For my wife, well, I'm keeping it on down to $5k...
Difference is, she has bad things happen to her cars on a regular basis. We're betting on her getting her money's worth out of it, whereas I won't. That was the funniest part about getting married, everyone's like "hey, isn't it nice having lower insurance now". Nope. Not me. My insurance rates went *up* when I got married. :-)