If I were in your shoes, I'd drop it altogether.
Of the options you presented, switching to the 1000 deductible would have a payoff in 20 months, and since you don't get into accidents more often than that, you should be okay. Especailly for collision coverage.
For Other Than Collision or Comprehensive, that covers things that happen to your car outside of your control (fire, thieft, vandalism, animal strikes, etc.) How likely are these things to happen? I had Comp on my cars when I lived in Washington, DC, but dropped it when I moved to a MD suburb. Or, how many dead deer do you see on the side of the road?
Figure out how much money you're spending on each car's replacement insurance. Divide that into the cost of the car to get a forecast of how reasonable it is. The newer the car, the more likely you're overpaying altogether. Also, realize that if your Envoy is worth 3k, a 1k deductible means that you'll only get 2/3 the replacement cost of the car when all is said and done. (To show numbers estimating keep the insurance, I had a 93 Buick worth about 1750 and little future depreciation, annual full coverage with a 100 deductible was $43, which gives a 38 year payoff...in other words, if I totaled the car within 38 years, I'd get more money with the insurance than without. But this was with an 18-year-old car...)
