How to buy back a totaled car cheap.

[Timco]

Originally Posted by cfos

I have no idea. 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.

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.

[cfos]

Originally Posted by Timco

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...

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.

[Timco]

Originally Posted by cfos

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...

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.

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.