May have been mentioned before, but too much up above.

The insurance commercial about the guy who has a 20-year-old car, and his insurance is also 20 years old.
Anyone with any sense long ago cut back to accident and liability coverage, which works out about the same with all insurers, and dropped coverage on the car itself.
The commercial also implies that the guy should get a new car, but if a vehicle is properly maintained and in good condition, the guy is well-ahead of the game.