At what point do I no longer need full coverage on my vehicle?

This is a personal choice and unless you have a vehicle with a loan or is leased, you will need to determine the value of your vehicle (see NADA or Kelly Blue Book to determine) to assess the cost of insurance vs. value of vehicle. Based on the vehicle’s value, you would need to decide if you could afford to walk away from the “value” at the time of loss. If that answer is no, you may want to transfer some of that cost to the company by continuing your comprehensive and collision coverages.