Hold on a sec....I'll go tell my wife to make sure she's getting her 7k steps in every day! :matchup:

If your back window is cracked and plastic, you'll be very glad you bought that top instead of tire & rim upgrades or exhaust mods. (Mis read your comment)

OTOH, that top you installed should help keep the car's value at the top of its model, year & mileage class.

With regards to buying it back, I see those as two separate scenarios. With the buy back scenario, it's drivable but totaled. Hard to beat that down. Most parts (including that nice top) are fine. If it was crushed on one corner, easier to haggle. As totaled cars go, this is a very desirable car.

Actually, I do understand how insurance works without going into history of house fires, I'm just looking at the data in a different way -- you know, like when a President-elect wins by popular vote, yet loses the election by the electoral vote, or how Michael Jordan didn't have fouls called on him and gets game winning shots (or LeBron's "Crab dribble"), or my father's favorite argument ''Mickey Mantle would have had the most stolen bases ever, if he didn't have bad knees". It's just a simple argument. No need to break out the HP 12C.

Surely, we can take something out of context (right?) and look at the question in a different way, yes? I certainly stomach enough of that here without commenting on everything about guns, car-flipping, etc. :rolleyes:

If not, fine. You win. I'll say this now, and you can all sleep well -- The 986 really IS A CLASSIC! All things before and after are crap!!! Standard transmission should be required to vote!!! The Boxster is SO NOT A GIRL CAR!!! All things even, no one should ever buy a new car because of all things in life, car purchases must equal out and balance when it comes to a car purchase and we cannot accept a loss on this single purchase, ever!!!! BOB is NOT A UNICORN!

http://f0.bcbits.com/img/a3767871646_10.jpg



;)

But, if you can conceive of what I proposed, bearing in mind that I'm not concerned with the ins, outs, and what-have-yous of what goes into the calculation of the rate... I am saying, in this particular instance, I don't think the insurance company got enough money for the individual through their set rate, to offset what they are paying out.

Stating it simply, insurance company received "x"; insurance company pays our "(x1-x2)+y"; (x1-x2)+y > x. QED.

That's it.

Now, having said this and since you and thstone are so much more knowledgeable about rate calculation than I, what is the modification for a person who gets into the accident? Is it just a simple jump to a higher risk group? What amount of a pay-out determines if someone is dropped? What if the driver is a member of a family policy? Does the policy go up if the kid is dropped? If the parents drop the kid do they return to the pre-kid rate? I'd assume teen drivers are already in a high rate group, so what is the next step? 1 standard deviation (SD)? Is it 2? Do we employ the Avagadro constant? Moreover, how do these accidents, or accidents such as this, go into the recalculation of rates of everybody? Do "safe drivers" go up a 1/2 a SD? How frequently are the rates calculated? How is it that Allstate has/had(?) that policy where rates actually go down over time? Was that all a lie?

Meh. Think what you want, I don't find the interwebz to be all that serious. Or 16-17 year olds. I mean, y'all are still worried about things that happen/what people think in high school, whereas I'm troubled by the fact that no one ever seemed to think it was odd or perhaps unsanitary that Fonzi had an office in the bathroom stall of Arnold's. What if someone had to go?

Anyway, good for you and your salvage. You'll be a jawa in no time.

So, guns and car flipping aside, if I get a new policy tomorrow with a new company and total my car day 1, will my payout or settlement be less than if my accident happened with my current carrier of 10+ years?

The lowering rate thing is based on driving class. Someone with no accidents for 4 years is less likely to cause an accident than someone 2 years accident free. We have Am Fam and our rate is way low because our house, rentals, my commercial policy, and my business liability policies are all with them. I guess that makes me a better driver?

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I have no idea. Do you have gap insurance? I don't have the whole package like you; I just pay in full. I do know that my family's rate, over time, varies during renewals. Sometimes, I find the same or better coverage for less than the new rate, and I move. But, what if the driver starts at 16 and has no accidents for 4 years. Is this 20 y.o. less likely to have an accident? Is his rate less that a 23 y.o. married returned missionary that didn't drive for 2 years? I dunno. Oh, and I'm sure you are a better driver -- I mean, you drive standard and are more "in touch" with your car. :cool:

steved0x

https://www.youtube.com/watch?v=n8GjdqPeS9M

Pretty sure there's only one blanket drop in rate around 22-24 regardless of real hands on driving due to maturity. If there's tickets or accidents, forget that drop. Not much windshield time for missionaries. (I joined way after missionary age)

Not sure about the better driver comment. I've never claimed that and am quite sure your car will cross the finish line before mine. I've never owned an auto trans.

I do recall a decrease upon marriage. I don't know about the age rates, nor claim to.

Yeah, you never did claim to be better/faster then me, I'm just assuming -- since you have a standard and from all the comments here about driving standard... :rolleyes:

It's ok. I'm not much of a boy-racer or a BMW guy that cares about the whole modded 335 vs M3 debate. I get where I want to be. Don't need to be first. Don't care if I'm last. Kinda like having a clean driving record and feel lucky about not finding renegade Ford Broncos -- I wonder if it was a Bronco that caused the whole ruckus on I-80W this morning. Saw on the news the whole damn thing was shut down.

https://encrypted-tbn1.gstatic.com/i...Ka3fN-Y0ulPfUD

"Is this thread done yet?! How much is in there?!"

"I got the poo on me..."
http://i875.photobucket.com/albums/a...4DECC60662.jpg

:D

Out by the Nevada border? Dead person on interstate. Could not tell male / female. At first I thought damn, must have been THAT ugly, but turns out was hit multiple times.

pw:

https://www.youtube.com/watch?v=6mOhI3k3JPI

10K steps is basically 5 miles. Those Fitbits and Polar Loop bracelets that track steps walked are great gift for a female who whinges about parking too far.
:D

Ha! I'll have to pick one up :D