Interesting Insurance issue I just discovered-Progressive

I have agreed or stated value on mine with progressive. But its paid for and the value is about right....pay around $850 a year and only claims have been for a lost awning and a windshield.....But I have never in my lifetime, I am 73, had full coverage on autos, never.....I imagine I have saved enough to buy a couple of Rolls Royce. But if you finance you have got to have it......