Inflation everywhere?

[bearishgurl]

[quote=threadkiller]Bearishgurl I always eliminate any extra insurance(read that as not mandated by law) as soon as a vehicle is paid off. Of course I have more vehicles than I need, so your case may be different. Currently have one vehicle down as the alternator just went out on it, almost $1000 dollars for the stealership to fix it. Bought the refurbished Bosch alternator last night and am going to put it in this afternoon, savings $800.[/quote]

Good for YOU, threadkiller! That’s what I’ve always done, too, except that since I have been “single” I don’t install the part myself. But I still save half or more off the “stealership’s” repair bids. I have purchased only ONE new car in my entire life, the ONLY vehicle I have EVER purchased from a “stealership.” That was a popular economy car during the oil embargo days of the ’70’s. It cost $5400 (loaded). Gas prices had just exploded (from 36.9 cents to about 59.9 cents per gallon) and the lines were lo-o-ong at every gas station due to artificial “hold-backs” of oil-shipments to the US, lol!

I belong to two online nationwide wrecking yard databases that I have bought several parts from. You just have to be careful due to certain parts from certain parts of the nation being subject to rust and corrosion. Wrecking yard vendors registered with the site have to guarantee the part they send for I think 90 days or six months, depending on what it is. It’s a little like ebay in that way that if the site receives too many complaints about a wrecking yard vendor shipping faulty parts and not making good on them, their site membership will be terminated. These sites are “win-wins” for sellers AND buyers!

At such time as my current vehicle’s repairs become much more than the “worth” of the car to me, I’ll just sell it in the Auto Trader for what I can get and then add $$ and turn around and buy a newer one from a private party in same (with svc records, of course). It’s that simple :=]

[bearishgurl]

[quote=walterwhite]dont drive for a few months.[/quote]

Yes, scaredy, I DO own a bike but am scared to ride it in the bike lanes on busy sts. Also, you can’t pick up humans and groceries with a bike.

My gas expenditures for Dec and Jan respectively were $74 and $69. I’m trying to keep this exp on the “down-low” right now.

[bearishgurl]

[quote=walterwhite]dont drive for a few months.[/quote]

Yes, scaredy, I DO own a bike but am scared to ride it in the bike lanes on busy sts. Also, you can’t pick up humans and groceries with a bike.

My gas expenditures for Dec and Jan respectively were $74 and $69. I’m trying to keep this exp on the “down-low” right now.

[bearishgurl]

[quote=walterwhite]dont drive for a few months.[/quote]

Yes, scaredy, I DO own a bike but am scared to ride it in the bike lanes on busy sts. Also, you can’t pick up humans and groceries with a bike.

My gas expenditures for Dec and Jan respectively were $74 and $69. I’m trying to keep this exp on the “down-low” right now.

[bearishgurl]

[quote=walterwhite]dont drive for a few months.[/quote]

Yes, scaredy, I DO own a bike but am scared to ride it in the bike lanes on busy sts. Also, you can’t pick up humans and groceries with a bike.

My gas expenditures for Dec and Jan respectively were $74 and $69. I’m trying to keep this exp on the “down-low” right now.

[bearishgurl]

[quote=walterwhite]dont drive for a few months.[/quote]

Yes, scaredy, I DO own a bike but am scared to ride it in the bike lanes on busy sts. Also, you can’t pick up humans and groceries with a bike.

My gas expenditures for Dec and Jan respectively were $74 and $69. I’m trying to keep this exp on the “down-low” right now.

[Coronita]

[quote=bearishgurl][quote=flu]BG… There’s a time to save money and pennypinch, and there is a time not to… And when it comes to insurance, it’s an area where you don’t want to skimp on…..You have one car, and basically, what you are suggesting is n to not have collision and not have comprehensive coverage…Bad idea, really bad idea…for the following reasons…[/quote]

Thanks, flu. I’ll leave it as it is. I didn’t think of these issues. The potential savings is about $28.35 mo but I pay bi-annually. I DO find myself having to rent a vehicle about once every 2-3 years and also borrow friends’ pickups on occasion to deliver/pick something up. Also, it would be nice to get the $2-$3K if I should be at fault or partial fault in an accident or have a medical emergency while driving and ditch the vehicle or run into something. The comprehensive coverage issues (theft/weather/hazards, etc) are something I encounter also (i.e. can’t get around a string of rock trucks on the open road, caught in a hailstorm, driving with cables mounted on narrow roads, etc), as I DO drive in the mtns and interstate as least 2x per year. I think my vehicle’s bottom value would/will be probably $2K – $3K, even if it didn’t run. It might be worth at least that in parts, lol! After a vehicle gets this old, the private-party “price” they’re worth is somewhat subjective, depending on service records. Surprisingly, there are LOADS of vehicles exactly like mine (and older) still on the road. That speaks volumes about the quality.[/quote]

I would consider talking to your auto insurance and asking how much a $0 deductible comprehensive would be and a $250 deductible collision would be…

For my old Audi, changing from a $250 deductible comprehensive to $0 and changing the collision from $500 to $250 deductible costs me an extra $40/year. And it works out great because I have a crack on my windshield from road debris flying on the freeway… The windshield costs about $250, so I now won’t be paying for it ..Doubly nice that insurance co’s can’t raise rates because of comprehensive claims. I dropped the rental car reimbursement and saved $30/year because I have more than one car…If it isn’t my fault, then the other person’s insurance has to pay for the rental car anyway.

But this is all hogwash for me anyway, since it costs me $60 to fill up a tank of 91 octane, with 17.8mpg that I’m getting. I’m not complaining, because at one point, I could get 22mpg combined, but it required me to drive painfully conservatively…Plus I’m not getting much better gas mileage in my 4 cylinder audi either, 19mpg. And that too requires 91 octane. Bost car’s engines are turbo’d, so there really isn’t an option to skimp on gas.

[Coronita]

[quote=bearishgurl][quote=flu]BG… There’s a time to save money and pennypinch, and there is a time not to… And when it comes to insurance, it’s an area where you don’t want to skimp on…..You have one car, and basically, what you are suggesting is n to not have collision and not have comprehensive coverage…Bad idea, really bad idea…for the following reasons…[/quote]

Thanks, flu. I’ll leave it as it is. I didn’t think of these issues. The potential savings is about $28.35 mo but I pay bi-annually. I DO find myself having to rent a vehicle about once every 2-3 years and also borrow friends’ pickups on occasion to deliver/pick something up. Also, it would be nice to get the $2-$3K if I should be at fault or partial fault in an accident or have a medical emergency while driving and ditch the vehicle or run into something. The comprehensive coverage issues (theft/weather/hazards, etc) are something I encounter also (i.e. can’t get around a string of rock trucks on the open road, caught in a hailstorm, driving with cables mounted on narrow roads, etc), as I DO drive in the mtns and interstate as least 2x per year. I think my vehicle’s bottom value would/will be probably $2K – $3K, even if it didn’t run. It might be worth at least that in parts, lol! After a vehicle gets this old, the private-party “price” they’re worth is somewhat subjective, depending on service records. Surprisingly, there are LOADS of vehicles exactly like mine (and older) still on the road. That speaks volumes about the quality.[/quote]

I would consider talking to your auto insurance and asking how much a $0 deductible comprehensive would be and a $250 deductible collision would be…

For my old Audi, changing from a $250 deductible comprehensive to $0 and changing the collision from $500 to $250 deductible costs me an extra $40/year. And it works out great because I have a crack on my windshield from road debris flying on the freeway… The windshield costs about $250, so I now won’t be paying for it ..Doubly nice that insurance co’s can’t raise rates because of comprehensive claims. I dropped the rental car reimbursement and saved $30/year because I have more than one car…If it isn’t my fault, then the other person’s insurance has to pay for the rental car anyway.

But this is all hogwash for me anyway, since it costs me $60 to fill up a tank of 91 octane, with 17.8mpg that I’m getting. I’m not complaining, because at one point, I could get 22mpg combined, but it required me to drive painfully conservatively…Plus I’m not getting much better gas mileage in my 4 cylinder audi either, 19mpg. And that too requires 91 octane. Bost car’s engines are turbo’d, so there really isn’t an option to skimp on gas.

[Coronita]

[quote=bearishgurl][quote=flu]BG… There’s a time to save money and pennypinch, and there is a time not to… And when it comes to insurance, it’s an area where you don’t want to skimp on…..You have one car, and basically, what you are suggesting is n to not have collision and not have comprehensive coverage…Bad idea, really bad idea…for the following reasons…[/quote]

Thanks, flu. I’ll leave it as it is. I didn’t think of these issues. The potential savings is about $28.35 mo but I pay bi-annually. I DO find myself having to rent a vehicle about once every 2-3 years and also borrow friends’ pickups on occasion to deliver/pick something up. Also, it would be nice to get the $2-$3K if I should be at fault or partial fault in an accident or have a medical emergency while driving and ditch the vehicle or run into something. The comprehensive coverage issues (theft/weather/hazards, etc) are something I encounter also (i.e. can’t get around a string of rock trucks on the open road, caught in a hailstorm, driving with cables mounted on narrow roads, etc), as I DO drive in the mtns and interstate as least 2x per year. I think my vehicle’s bottom value would/will be probably $2K – $3K, even if it didn’t run. It might be worth at least that in parts, lol! After a vehicle gets this old, the private-party “price” they’re worth is somewhat subjective, depending on service records. Surprisingly, there are LOADS of vehicles exactly like mine (and older) still on the road. That speaks volumes about the quality.[/quote]

I would consider talking to your auto insurance and asking how much a $0 deductible comprehensive would be and a $250 deductible collision would be…

For my old Audi, changing from a $250 deductible comprehensive to $0 and changing the collision from $500 to $250 deductible costs me an extra $40/year. And it works out great because I have a crack on my windshield from road debris flying on the freeway… The windshield costs about $250, so I now won’t be paying for it ..Doubly nice that insurance co’s can’t raise rates because of comprehensive claims. I dropped the rental car reimbursement and saved $30/year because I have more than one car…If it isn’t my fault, then the other person’s insurance has to pay for the rental car anyway.

But this is all hogwash for me anyway, since it costs me $60 to fill up a tank of 91 octane, with 17.8mpg that I’m getting. I’m not complaining, because at one point, I could get 22mpg combined, but it required me to drive painfully conservatively…Plus I’m not getting much better gas mileage in my 4 cylinder audi either, 19mpg. And that too requires 91 octane. Bost car’s engines are turbo’d, so there really isn’t an option to skimp on gas.

[Coronita]

[quote=bearishgurl][quote=flu]BG… There’s a time to save money and pennypinch, and there is a time not to… And when it comes to insurance, it’s an area where you don’t want to skimp on…..You have one car, and basically, what you are suggesting is n to not have collision and not have comprehensive coverage…Bad idea, really bad idea…for the following reasons…[/quote]

Thanks, flu. I’ll leave it as it is. I didn’t think of these issues. The potential savings is about $28.35 mo but I pay bi-annually. I DO find myself having to rent a vehicle about once every 2-3 years and also borrow friends’ pickups on occasion to deliver/pick something up. Also, it would be nice to get the $2-$3K if I should be at fault or partial fault in an accident or have a medical emergency while driving and ditch the vehicle or run into something. The comprehensive coverage issues (theft/weather/hazards, etc) are something I encounter also (i.e. can’t get around a string of rock trucks on the open road, caught in a hailstorm, driving with cables mounted on narrow roads, etc), as I DO drive in the mtns and interstate as least 2x per year. I think my vehicle’s bottom value would/will be probably $2K – $3K, even if it didn’t run. It might be worth at least that in parts, lol! After a vehicle gets this old, the private-party “price” they’re worth is somewhat subjective, depending on service records. Surprisingly, there are LOADS of vehicles exactly like mine (and older) still on the road. That speaks volumes about the quality.[/quote]

I would consider talking to your auto insurance and asking how much a $0 deductible comprehensive would be and a $250 deductible collision would be…

For my old Audi, changing from a $250 deductible comprehensive to $0 and changing the collision from $500 to $250 deductible costs me an extra $40/year. And it works out great because I have a crack on my windshield from road debris flying on the freeway… The windshield costs about $250, so I now won’t be paying for it ..Doubly nice that insurance co’s can’t raise rates because of comprehensive claims. I dropped the rental car reimbursement and saved $30/year because I have more than one car…If it isn’t my fault, then the other person’s insurance has to pay for the rental car anyway.

But this is all hogwash for me anyway, since it costs me $60 to fill up a tank of 91 octane, with 17.8mpg that I’m getting. I’m not complaining, because at one point, I could get 22mpg combined, but it required me to drive painfully conservatively…Plus I’m not getting much better gas mileage in my 4 cylinder audi either, 19mpg. And that too requires 91 octane. Bost car’s engines are turbo’d, so there really isn’t an option to skimp on gas.

[Coronita]

[quote=bearishgurl][quote=flu]BG… There’s a time to save money and pennypinch, and there is a time not to… And when it comes to insurance, it’s an area where you don’t want to skimp on…..You have one car, and basically, what you are suggesting is n to not have collision and not have comprehensive coverage…Bad idea, really bad idea…for the following reasons…[/quote]

Thanks, flu. I’ll leave it as it is. I didn’t think of these issues. The potential savings is about $28.35 mo but I pay bi-annually. I DO find myself having to rent a vehicle about once every 2-3 years and also borrow friends’ pickups on occasion to deliver/pick something up. Also, it would be nice to get the $2-$3K if I should be at fault or partial fault in an accident or have a medical emergency while driving and ditch the vehicle or run into something. The comprehensive coverage issues (theft/weather/hazards, etc) are something I encounter also (i.e. can’t get around a string of rock trucks on the open road, caught in a hailstorm, driving with cables mounted on narrow roads, etc), as I DO drive in the mtns and interstate as least 2x per year. I think my vehicle’s bottom value would/will be probably $2K – $3K, even if it didn’t run. It might be worth at least that in parts, lol! After a vehicle gets this old, the private-party “price” they’re worth is somewhat subjective, depending on service records. Surprisingly, there are LOADS of vehicles exactly like mine (and older) still on the road. That speaks volumes about the quality.[/quote]

I would consider talking to your auto insurance and asking how much a $0 deductible comprehensive would be and a $250 deductible collision would be…

For my old Audi, changing from a $250 deductible comprehensive to $0 and changing the collision from $500 to $250 deductible costs me an extra $40/year. And it works out great because I have a crack on my windshield from road debris flying on the freeway… The windshield costs about $250, so I now won’t be paying for it ..Doubly nice that insurance co’s can’t raise rates because of comprehensive claims. I dropped the rental car reimbursement and saved $30/year because I have more than one car…If it isn’t my fault, then the other person’s insurance has to pay for the rental car anyway.

But this is all hogwash for me anyway, since it costs me $60 to fill up a tank of 91 octane, with 17.8mpg that I’m getting. I’m not complaining, because at one point, I could get 22mpg combined, but it required me to drive painfully conservatively…Plus I’m not getting much better gas mileage in my 4 cylinder audi either, 19mpg. And that too requires 91 octane. Bost car’s engines are turbo’d, so there really isn’t an option to skimp on gas.

[bearishgurl]

[quote=flu]I would consider talking to your auto insurance and asking how much a $0 deductible comprehensive would be and a $250 deductible collision would be…

For my old Audi, changing from a $250 deductible comprehensive to $0 and changing the collision from $500 to $250 deductible costs me an extra $40/year. And it works out great because I have a crack on my windshield from road debris flying on the freeway… The windshield costs about $250, so I now won’t be paying for it ..Doubly nice that insurance co’s can’t raise rates because of comprehensive claims. I dropped the rental car reimbursement and saved $30/year because I have more than one car…If it isn’t my fault, then the other person’s insurance has to pay for the rental car anyway…[/quote]

Thanks, flu! I’ll find out what the difference is for $250 and $0 ded. My policy will be up for renewal again before I am planning to head out on the road.

[bearishgurl]

[quote=flu]I would consider talking to your auto insurance and asking how much a $0 deductible comprehensive would be and a $250 deductible collision would be…

For my old Audi, changing from a $250 deductible comprehensive to $0 and changing the collision from $500 to $250 deductible costs me an extra $40/year. And it works out great because I have a crack on my windshield from road debris flying on the freeway… The windshield costs about $250, so I now won’t be paying for it ..Doubly nice that insurance co’s can’t raise rates because of comprehensive claims. I dropped the rental car reimbursement and saved $30/year because I have more than one car…If it isn’t my fault, then the other person’s insurance has to pay for the rental car anyway…[/quote]

Thanks, flu! I’ll find out what the difference is for $250 and $0 ded. My policy will be up for renewal again before I am planning to head out on the road.

[bearishgurl]

[quote=flu]I would consider talking to your auto insurance and asking how much a $0 deductible comprehensive would be and a $250 deductible collision would be…

For my old Audi, changing from a $250 deductible comprehensive to $0 and changing the collision from $500 to $250 deductible costs me an extra $40/year. And it works out great because I have a crack on my windshield from road debris flying on the freeway… The windshield costs about $250, so I now won’t be paying for it ..Doubly nice that insurance co’s can’t raise rates because of comprehensive claims. I dropped the rental car reimbursement and saved $30/year because I have more than one car…If it isn’t my fault, then the other person’s insurance has to pay for the rental car anyway…[/quote]

Thanks, flu! I’ll find out what the difference is for $250 and $0 ded. My policy will be up for renewal again before I am planning to head out on the road.

[bearishgurl]

[quote=flu]I would consider talking to your auto insurance and asking how much a $0 deductible comprehensive would be and a $250 deductible collision would be…

For my old Audi, changing from a $250 deductible comprehensive to $0 and changing the collision from $500 to $250 deductible costs me an extra $40/year. And it works out great because I have a crack on my windshield from road debris flying on the freeway… The windshield costs about $250, so I now won’t be paying for it ..Doubly nice that insurance co’s can’t raise rates because of comprehensive claims. I dropped the rental car reimbursement and saved $30/year because I have more than one car…If it isn’t my fault, then the other person’s insurance has to pay for the rental car anyway…[/quote]

Thanks, flu! I’ll find out what the difference is for $250 and $0 ded. My policy will be up for renewal again before I am planning to head out on the road.

[Author]

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