Forum Deputy Chief
Rocketmedic's post above is correct. Paying for collision in this case is a waste of money. Get the minimum liability coverage your state requires at the cheapest rate you can find (Geico may not be the cheapest; it's worth spending some time shopping around), and then take whatever the difference between that cost and the cost of full coverage is and put it in a high-interest savings account each month. In a year and a half you'll have saved almost as much cash as what the insurance company would probably pay you for your 4runner if it were totaled.I'll check. Any money less spent (it's not saving money, it's just spending less) is good.
And long-term care coverage? Why on earth are you worried about that? A young person just starting out who doesn't make much money yet has many more pressing financial priorities than that.
I'm personally not a huge Dave Ramsey fan, but he does have a lot of solid, practical advice for someone in your situation. I'd check out his website and books and podcast if you haven't already.