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Drop the collision but don't ever drop the "comp" coverage. From Allstates website

 

When people hear the word "comprehensive," they might think "all-encompassing"— but in car insurance terms, the word has a different meaning.

Simply put, comprehensive coverage protects you against damages to your car that are the result of covered perils not related to a collision. Think of a scenario that could cause damage to your car that has nothing to do with striking another vehicle. In many cases, this can include:
•Theft
•Vandalism
•Fire
•Natural disasters like a hurricane or a tornado
•Falling objects
•Damage done to your car by animals
•A civil disturbance, like a riot that results in damage or destruction of your car

As with all insurance policies, you should check with your insurance agent to make sure what perils are included under the comprehensive coverage of your auto insurance policy

 

Comp coverage is cheap; collision is not...