Collision insurance in expensive state

[kk2002s]

Just changed carriers and they directly quoted without collision. I asked why and they said age. I countered with ... it is still worth $10k give or take... I put collision back on. An extra $200-$250/year.
My reasoning: it wouldn't take much to get over deductible and the 250/yr though I suspect they would total at a very under valued price

I hate paying insurance
Now they want me to put a driving behavior tracker in it as well