Results 51 to 75 of 138
-
08-02-2019, 01:04 PM #51
Cancel the insurance claim
-
08-02-2019, 01:09 PM #52
After you get your money.
"timberridge is terminally vapid" -- a fortune cookie in Yueyang
-
08-02-2019, 01:12 PM #53
-
08-02-2019, 01:18 PM #54
Full coverage on a taco with that value is going to run me (age and location dependent) almost 100 a month. Unless you live in an area with high rates of auto theft or have a dicey driving record and a history of accidents, that is a level where self insuring seems worth it to me. Liability would cost me about 1/4 that.
Lets say you plan on keeping that rig 5 more years. 7200 bucks to insure over that timeframe with full coverage. That is a pretty large repair (that you need to be at fault for - which is a big point for me as I have a pristine record) for the insurance to be a financial win for you even when you take the cost of liability into the equation.Live Free or Die
-
08-02-2019, 01:46 PM #55Registered User
- Join Date
- Sep 2018
- Posts
- 2,698
Paint shop is currently full of stuff...
I would probably paint it right outside the shop... Most bodyshops paint single panels with the door open same place they do all the sanding... It sounds quick and dirty and it kinf of is cut and buff and debris.... I wouldnt overthink it.
Sent from my H3223 using Tapatalk
-
08-02-2019, 01:47 PM #56Good-lookin' wool
- Join Date
- Oct 2005
- Posts
- 11,762
Also remember that removing collision but keeping liability only precludes, in theory although I know practice sometimes takes some doing, recuperation if the damage is your fault.
Sent from my iPhone using TGR Forums
-
08-02-2019, 01:49 PM #57
-
08-02-2019, 01:56 PM #58
-
08-02-2019, 02:02 PM #59
-
08-02-2019, 02:08 PM #60
I'm going to call bullshit that you can get full coverage on a relatively new Taco for 26 a month total with any sort of reasonable deductible or annual mileage number.
Live Free or Die
-
08-02-2019, 02:09 PM #61
I suggest cancelling insurance because of the likelihood that the claim will substantially increase your premiums. When I ran into a snowbank, the insurance estimate was over $1k, which was the threshold (per my insurance) where they’d increase my premium. They told me to expect my premium to double for the next 3 years. Also, a body shop will likely adjust their quote (for the same service and parts) if they know that you are paying out of pocket and not going through insurance.
-
08-02-2019, 02:23 PM #62
Reasonably new = 2014
Deductible = $500 (fuck I should up that and make it even cheaper)
Anyone in MT needs to get good insurance hit me up, I got a guy. FWIW, I had Progressive for like 10 years and I ended up getting WAY more coverage for way less money because I talked to an independent broker. I have homeowners and umbrella with the same outfit so I also get a pretty decent multi line discount.
AR: is your credit score like 150 or something?
-
08-02-2019, 02:33 PM #63
That is a good rate no matter how you slice it, but I thought you were talking all in, you are paying more like 50 a month once you include everything, which is still solid.
I haven't bought anything on credit for a while, but last I knew I was at 810. I live in Idaho though and I suspect I'm younger than you which doesn't help on the insurance side. How many miles are you claiming to drive per year?Live Free or Die
-
08-02-2019, 02:35 PM #64
I blame the higher rates in ID on Raul Labrador. Probably takes campaign contributions from insurance companies.
Wow. Hugh's mom lives in MT. I always thought she lived in FL."timberridge is terminally vapid" -- a fortune cookie in Yueyang
-
08-02-2019, 02:51 PM #65
Yeah, we pay ~$140/month but that's for all that on two cars with, essentially, 1.5 million in UM/UIM coverage (cheap life insurance). I don't recall anyone asking how much we drive per year but it's around 10k/miles/year/car.
And I assumed your $100/month number that started this was just about the comprehensive/collision since we need the other coverage regardless.
-
08-02-2019, 03:29 PM #66
If Saab parts are rare and expensive, is parting the car out yourself an option?
As someone who tends to keep cars a long time I have learned that a new or new used car can quickly make you forget about that car you had vowed to love until the end of time.
-
08-02-2019, 04:14 PM #67
-
08-02-2019, 04:42 PM #68
To indemnify you it's the 2k. Good luck finding that enthusiast to pay 6-7k. While it sucks, the balance is in when you just sign up and they pay out on your shiny new car. That said, you may want to follow up on your history as the teams that handle the small dollar stuff are purely churn/volume focused.
-
08-02-2019, 04:46 PM #69
Also - high insurance rates are usually because of either no fault laws (NJ etc.), high standards around handling/low data visibility (CA) or terribly plaintiff friendly courts (parts of TX). If you don't like it, talk to your state insurance commissioner as they approve all the rates.
-
08-02-2019, 05:38 PM #70
All you peeps whining about the high cost of insurance have me laughing. I have two teens going on our policy this year. Just adding the first one to the cheaper car tripled what my wife and I were paying for full coverage on two cars. Another one will be added this December. Holy shit kids are expensive..
Go that way really REALLY fast. If something gets in your way, TURN!
-
08-02-2019, 07:07 PM #71Registered User
- Join Date
- Mar 2009
- Posts
- 3,282
-
08-02-2019, 08:53 PM #72Registered User
- Join Date
- Mar 2008
- Location
- northern BC
- Posts
- 31,060
-
08-02-2019, 09:04 PM #73
-
08-03-2019, 06:37 AM #74
-
08-05-2019, 05:34 PM #75
Bookmarks