Insurance, full coverage vs liability..

So....., back to the original post... At what point does full coverage no longer make sense? I'm paying $378/year with Progressive for a 2011 Roadster with nearly 80k miles. It probably makes sense to keep it, but wonder what the "cash value" would prove to be.

Policy CoveragesAmount
Uninsured/Underinsured Motorist $100,000 each person$300,000 each accident $59.00
Uninsured Motorist Bodily Injury No Coverage $0.00
Uninsured Motorist Property Damage $50,000 each accident$100 deductible $3.00
Transport Trailer Physical Damage coverage No Coverage $0.00

Vehicle Coverages​


Physical damage option


Vehicle CoveragesAmount
2011 TRIUMPH ROCKET III
Actual Cash Value

Disappearing Deductibles


Vehicle CoveragesAmount
2011 TRIUMPH ROCKET III
Selected

Bodily Injury & Property Damage Liability


Vehicle CoveragesAmount
2011 TRIUMPH ROCKET III
$100,000 each person
$300,000 each accident
$50,000 each accident
$165.16

Other Than Collision


Vehicle CoveragesAmount
2011 TRIUMPH ROCKET III
$0 deductible
$22.00

Collision


Vehicle CoveragesAmount
2011 TRIUMPH ROCKET III
$0 deductible
$121.00

Included with Other Than Collision and (if purchased) Collision


Vehicle CoveragesAmount
2011 TRIUMPH ROCKET III
Disappearing Deductibles
Included

Towing and Labor


Vehicle CoveragesAmount
2011 TRIUMPH ROCKET III
Selected
$8.00

Carried Contents®


Vehicle CoveragesAmount
2011 TRIUMPH ROCKET III
No Coverage
$0.00

Accessory coverage


Vehicle CoveragesAmount
2011 TRIUMPH ROCKET III
$3,000
Included

2011 TRIUMPH ROCKET III premium: $316.16


Total policy premium: $378.16

You are carrying alot of liability for a motorcycle. Generally motorcyclists only hurt themselves
 
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