I have a 2000 Hyundai Accent. I think its Kbb value is around $4000. The car is paid off. I live in Upstate NY which has a lot of snow in winter, and in the hills. Comprehensive (with a $1000 deductible) and Collision (with a $2000 deductible) comes to an additional $80 per six months. Is it even smart to have comprehensive and collision on my car, or should I just have liability?