Unexpected downside after 4 years of driving an EV

With my old internal combustion engine cars, I used to drop the collision coverage when renewing insurance from the 4th year onwards, but with an EV, I can't seem to drop it, perhaps because of the battery lol
There is a significant difference in insurance premiums depending on whether you include collision coverage or not, but I guess this is one of those issues
I haven't found any downsides to driving an EV compared to ICE cars so far (in my personal opinion), but then this problem pops up lol