90% of the reason I'd want full coverage would be theft, and comp. Aside from someone taking it, or me wacking a deer, full coverage is insuring against my own stupidity. I'm already covered against other drivers' stupidity, which is my #1 concern, even during deer season... in many areas, people are even dumber than deer.
I've got Progressive/USAA, liability costs me under $10 a month, even in MD. When I was in OR, I added a bunch of med pay (not a bad idea) because with good liability alone, I was below their minimum (like $75 a year there, IIRC) so adding something only cost me a few bucks a year. I've had horrible experiences with State Farm and Farmer's/Foremost. Foremost almost got their insured sued with how they handled it when I got rear-ended, it took me months and a whole buncha PITA to get anything out of them. The ones who handled my medical stuff were from Farmer's and were decent enough, but the ones handling my bike and gear were Foremost (their non-auto/home arm) and were the most infuriating morons I've ever dealt with. State Farm tried to claim they weren't responsible when their insured rear-ended my wife a few years ago, had I not been in Iraq, that kid would have ended up in court in a hurry.
If they'd only offer me $1500ish if something did happen, I'll keep my money and eat the risk myself.
