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Depends
If you require the insurance to enjoy the car...
But stop and think why the company is in business. To make money. Which means they pay out some money but they make profit, pay admin and selling expenses, have investment income, etc. So they pay out on average less than you pay them (I've seen figures like 30%). I don't like those odds and can afford to self insure. And over many such decisions, I've come out way ahead. Your experience and risk tolerance may vary.
I own an '01S.
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