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05-18-2016, 06:16 PM
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#21
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2007
Posts: 7,746
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Aren't those of us that opt out of comp and collision inherently risk takers? I mean we're literally taking on the risk.
But seriously, maybe they looked at the two classes of people (those buying comp/collision vs those that didn't) and all else being equal, those opting out of comp/collision has a higher rate/cost of claims.
What's more perplexing to me is that I pay more for liability coverage with two cars on the policy instead of one. I guess they figure we'll drive more with 2 cars than with one car? It's not a lot ($480/yr with 2 cars vs $410/yr with 1 car).
__________________
Retired in 2013 at age 33. Keeping busy reading, blogging, relaxing, gaming, and enjoying the outdoors with my wife and 3 kids (8, 13, and 15).
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05-19-2016, 06:36 AM
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#22
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Moderator Emeritus
Join Date: Sep 2007
Posts: 17,774
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Quote:
Originally Posted by MBSC
You can get a front glass replacement quote without entering personal information on the Safelite website. My state mandates zero cost replacement regardless of the comprehensive deductible. I still dropped it as two years of premiums would pay for a new windshield and I don't drive much. YMMV.
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I love these boards. I'm taking our car in this afternoon! We have a small crack in the lower left corner of our MDX's rain-sensing windshield. Replacement will be $328 including tax. Easy peasy. Last time the replacement windshield cost us >$600.
__________________
“Would you like an adventure now, or would you like to have your tea first?” J.M. Barrie, Peter Pan
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05-19-2016, 06:38 AM
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#23
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Mar 2007
Posts: 14,328
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Quote:
Originally Posted by Bestwifeever
I love these boards. I'm taking our car in this afternoon! We have a small crack in the lower left corner of our MDX's rain-sensing windshield. Replacement will be $328 including tax. Easy peasy. Last time the replacement windshield cost us >$600.
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I think for $328 you get Saran wrap and duct tape. But seriously, there are different qualities of glass.
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05-19-2016, 06:40 AM
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#24
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Moderator Emeritus
Join Date: Sep 2007
Posts: 17,774
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Quote:
Originally Posted by travelover
I think for $328 you get Saran wrap and duct tape. But seriously, there are different qualities of glass.
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They asked year, make, and model and then about the rain-sensing. Trading it in soon anyway.
__________________
“Would you like an adventure now, or would you like to have your tea first?” J.M. Barrie, Peter Pan
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05-19-2016, 06:45 AM
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#25
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Mar 2007
Posts: 14,328
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Quote:
Originally Posted by Bestwifeever
They asked year, make, and model and then about the rain-sensing. Trading it in soon anyway.
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It should be fine.
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05-19-2016, 07:03 AM
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#26
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2013
Location: ATL --> Flyover Country
Posts: 6,649
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Quote:
Originally Posted by Bestwifeever
They asked year, make, and model and then about the rain-sensing. Trading it in soon anyway.
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I never really understood the rain sensing thing. If you can't tell it's raining and turn on your OWN wipers, then perhaps you need to let someone else drive!
I had to have the windshield replaced in our '12 Highlander and I think it was in the neighborhood of $250. It was quite a bit cheaper than I thought it would be.
__________________
FIRE'd in 2014 @ 40 Years Old
Professional Retiree
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05-19-2016, 07:14 AM
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#27
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Thinks s/he gets paid by the post
Join Date: Feb 2012
Location: Northern Ohio
Posts: 3,182
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Quote:
Originally Posted by FlyBoy5
I never really understood the rain sensing thing. If you can't tell it's raining and turn on your OWN wipers, then perhaps you need to let someone else drive!
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It's just nice. Certainly not necessary but I like that I don't have to get out my keys to unlock and start my cars and I never turn on/off my lights and never mess with wipers.
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05-19-2016, 07:27 AM
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#28
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2014
Posts: 7,373
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Quote:
Originally Posted by FlyBoy5
I never really understood the rain sensing thing. If you can't tell it's raining and turn on your OWN wipers, then perhaps you need to let someone else drive!
I had to have the windshield replaced in our '12 Highlander and I think it was in the neighborhood of $250. It was quite a bit cheaper than I thought it would be.
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I agree; all these fancy things just mean more can go wrong and replacements are expensive. I love the keyless entry on our older Nissan but replacing that darn fob is a lot more complicated and expensive than having someone at Home Depot copy your key.
We have a crack in our windshield and, according to the Autolite site, replacement will be under $300. I'm going to take them up on it.
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05-19-2016, 07:37 AM
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#29
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2009
Posts: 6,698
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Quote:
Originally Posted by FUEGO
What's more perplexing to me is that I pay more for liability coverage with two cars on the policy instead of one. I guess they figure we'll drive more with 2 cars than with one car? It's not a lot ($480/yr with 2 cars vs $410/yr with 1 car).
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You are paying $240 per year per car for the two cars versus $410 per year per car for a single car. That's actually a bigger multi-car discount (41%) than I usually see (around 20%). Two cars at the same address cost less than 2 single cars at separate addresses because of the frequent occurrence of having everyone in one car driving around while the other one is safely at home.
__________________
Retired in late 2008 at age 45. Cashed in company stock, bought a lot of shares in a big bond fund and am living nicely off its dividends. IRA, SS, and a pension await me at age 60 and later. No kids, no debts.
"I want my money working for me instead of me working for my money!"
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05-19-2016, 11:11 AM
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#30
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Moderator Emeritus
Join Date: Sep 2007
Posts: 17,774
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Quote:
Originally Posted by FlyBoy5
I never really understood the rain sensing thing. If you can't tell it's raining and turn on your OWN wipers, then perhaps you need to let someone else drive!
I had to have the windshield replaced in our '12 Highlander and I think it was in the neighborhood of $250. It was quite a bit cheaper than I thought it would be.
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Yeah, and those wimps who enjoy using power steering and power brakes and automatic transmissions! Take their licenses away!
Rain-sensing windshield came with the car, like the auto on/off headlights--both of which auto options I usually override anyway, but I'm not going to get rid of them.
__________________
“Would you like an adventure now, or would you like to have your tea first?” J.M. Barrie, Peter Pan
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05-19-2016, 11:36 AM
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#31
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jun 2006
Posts: 12,880
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Deductible / Six-month Cost:
$1000 $410
$1500 $372
$2500 $332
I split the difference and went with the $1500.
__________________
Al
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05-19-2016, 04:30 PM
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#32
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Moderator
Join Date: Dec 2007
Location: Eastern WV Panhandle
Posts: 25,346
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Quote:
Originally Posted by Bestwifeever
Rain-sensing windshield came with the car, like the auto on/off headlights--both of which auto options I usually override anyway, but I'm not going to get rid of them.
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Oh, I leave 'em turned on to make for a longer period of time between when I "lose it" and before anyone notices. And driving around in the dark w/o headlights on is one giveaway that can thus be avoided.
__________________
When I was a kid I wanted to be older. This is not what I expected.
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05-19-2016, 05:21 PM
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#33
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Moderator
Join Date: Apr 2012
Location: San Diego
Posts: 14,212
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Quote:
Originally Posted by Fedup
$500 for new car. But no comprehension on an old car. It's not worth to go higher than $1000 on a new car.
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My car is generally old and dumb... no comprehension. Perhaps I should get one of those little smart cars.
....Oh, you meant comprehensive coverage. LOL.
__________________
Retired June 2014. No longer an enginerd - now I'm just a nerd.
micro pensions 6%, rental income 20%
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05-19-2016, 08:42 PM
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#34
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2007
Posts: 7,746
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Quote:
Originally Posted by scrabbler1
You are paying $240 per year per car for the two cars versus $410 per year per car for a single car. That's actually a bigger multi-car discount (41%) than I usually see (around 20%). Two cars at the same address cost less than 2 single cars at separate addresses because of the frequent occurrence of having everyone in one car driving around while the other one is safely at home.
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Yeah, I figured that was the case. They assume we have and routinely use 2 cars at the same time. In the past 1.5 years we have never driven both cars at the same time, which is my it seems strange based on my own driving habits. We are weird.
Though I understand that most 2 driver insured households with two cars would tend to drive more than those same households owning only 1 car.
__________________
Retired in 2013 at age 33. Keeping busy reading, blogging, relaxing, gaming, and enjoying the outdoors with my wife and 3 kids (8, 13, and 15).
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05-20-2016, 06:16 AM
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#35
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Thinks s/he gets paid by the post
Join Date: Aug 2011
Posts: 3,606
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Unless I have proprietary information that I am higher risk than the Insurance company assumes, I tend to apply my "Warren Buffet" method.
If Geico is willing to sell me a policy at rate 'X', then WB is usually making money on the deal. Therefore, if I can sustain the loss, I would be good to emulate WB's strategy in how I approach it (ie not pay to shift the risk to someone else and if it were to be legal, consider accepting money to have the risk shifted to me).
I say this as one who is FIRE and would limit any risk that I would assume to anything that would not change my FIRE status (ie the cost of a vehicle).
Another lens that I view insurance through is that it is basically prepaying legal fees.
-gauss
Disclaimer: I do hold a small position in Berkshire-Hathaway
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