I pay about $1100 a year, which is stupid low for New Jersey, but that’s just with comprehensive, uninsured motorist, and personal injury. I was looking at collision, and that would be another $600. I’ve been at fault for one accident ever, and I didn’t even need to make a claim, since the damage to me was superficial. I’m thinking I’m happy without it, but I’m interested in whether Oppos have gone for it.