a bit of topic haha...but, no, I don't. Sold it close to 2 years ago.

 

Always fight the initial payout. Let them know what you think the amount should be. Mention the condition it was in and any recent maintenance (even if you haven't had any recent maintenance). Besides saving money, they are trying to keep you as a customer. I'm still with my insurance company because they took care of me in a similar scenario.

 

I was offered $18k in 2003 for my old WRX. I fought it on the basis that my car was incredibly well kept (car shows, etc) and was able to get them up to $20,500.

 

I told an insurance adjuster my car had Dayton rims before an accident and they turned into stockers because of it. He found it quite amusing.

 

Was your car turbo Heedz? I see the scoop. I don't remember, been a while since I hung out with you. Yes, still worth arguing with them about it.

I was in another accident where the dude rear ended me while I was sitting at a light. I had *just* had the motor rebuilt with fresh internals and had full receipts and they paid out top of the market value for my car (other guy's insurance, not mine).

 

That does seem a little low. The price sounds right for a 2.5i, but not the 2.5GT.

 

Yeah it's a gt limited turbo. I just sent them two local ads. They compared private seller with a non turbo and the other two cars didn't even exist at given dealers.... It's worth a shot prodding at them to pay me a bit more. 11.2 after 1k deductable ISNT bad since the price is at 12.2 techinically but.... I think the car's worth a grand or two more esp if Josh's came out at 13 a few months back..

 

You're getting screwed. I would change insurance companies as soon as possible.

1. why is your deductible so damned high?
2. they're not giving you enough. Those sell all day long at $14-16k.

I hope you pull EVERYTHING off of that car. I mean everything that's aftermarket or optional. Carpet matts. If you have an upgraded rear view mirror. EVERYTHING.

That's B.S.

 

Seems like $13k would be about right.

 

UNDER the posted limit on Sharp Park??? That is the first thing I have read that is scary enough to get me to slow down a little out there. Ambient speed as you must know is usually around 40-45mph and can be even higher going up. Speed differential is a scary thing, especially in surprise-form around a bend.

 

$1,000 is not that much of a deductible. You save money on the cost of the policy by having a higher deductible. If someone has the means to raise their deductible, they should do exactly that. Insurance companies see someone with a higher deductible as someone who is more responsible, and demographically less likely to get into an accident.

The smart people keep an emergency credit card around, with zero percent interest for 6 months (so they can pay the card off without being hit with interest charges and not disrupt their monthly cash flow) and use it only if needed.

 

You mean a lower deductible? People with a higher deductible generally can't afford the premium on a lower one. Doesn't matter what the deductible is, it is the level of insurance you carry. Even at $1k, it is below the cost of the typical accident and still about right.

 

No. I mean a higher deductible, like I wrote.

More info, read it.
Understanding Car Insurance Deductibles | 21st Century Car Insurance

Statistically, you save money over the haul with a higher deductible because you pay less on the policy.

 

damnit!!!!

 

So you would rather pay more every month, lets say $20/month to have no deductible? You are basically betting your insurance company every month $XX that you will crash, against their $XXXXXX that you will not crash. And you want to raise your bet by $20 every month on top of your regular insurance policy bet?

I pay ~$500/year for insurance on my soob. If I drive safe and don't bother the insurance company, It will cost me $500. All my other money goes into a savings account or something which makes me more money or I spend it on stuff (maybe even on the car?).

Imagine, with $0 deductible I pay an extra $20/month=$480/year. Plus, the original $500. No matter how good of a driver I am, I WILL pay my insurance company $980 this given year. If I am a ****ty driver or have bad luck I might win the bet and get my medical bills paid and maybe some money to pay for another car (but never all of the money, and I'll have to fight for every penny, like Heedz is about to have to do).

So really what you are betting on is that you will spend either <Less than your deductible> or <less than the cost of having $0 deuctible> on repairs in a given time frame.