Car insurance rates and metaphorical sodomy

[Senor_Taylor]

I went to my agent to get comprehensive put on the Miata. I was quoted that it would drop my rate a considerable amount. Then it become apparent that the only way I could get comprehensive was to drop liability. That means the car would be illegal to drive, but at least if a tree fell on it, I'd be covered! Why would a company even offer that? To get full coverage would have added $100 a month.