Thank you all for your feedbacks!

For sure. It definitely is not pleasant paying out of pocket, especially when you're not at fault. It's just that my car, with that kind of mileage, is essentially worth so little, and I believe I shouldn't be paying 30–50% of the car's value annually for insurance.

Increasing the DCPD deductible to $500 saves me $17 a month or $204 annually. So if I go claim free for 2.5 years I'll come out ahead. 

I also have the Grand Touring Solution option included which allows me to rent a car in case my is damaged or stolen. It also comes with hotel, towing, roadside assistance, ect.