I assume the difference here is that the newish VW is all-risk covered (theft, damage to own car, etc) while the Mazda is covered for liability only and that it would be possible to insure the newer car for liability only for about the same amount as you pay for the Mazda.
Technically it has comprehensive as well although it's a moot point. My deductible is $1000 and they'll just say the car is worth less than that, so they'll never pay anything.
I guess I should reduce it to liability only but it'll probably save me like $2, so haven't bothered.
