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but I won't cry for RANDOM THOUGHTS

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Re: but I won't cry for RANDOM THOUGHTS

Postby TenuredVulture » Mon Jul 08, 2013 10:44:42

jamiethekiller wrote:one website said add up your year insurance payment. if its more than 10% of the car then you shouldn't have full coverage. i pay like 1k a year in insurance so thats like 20% of the cars value

But the collision on that is probably a pretty small fraction. I know when I dropped collision on my Malibu, it didn't really save me much money.
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Re: but I won't cry for RANDOM THOUGHTS

Postby drsmooth » Mon Jul 08, 2013 11:10:45

TenuredVulture wrote:
jamiethekiller wrote:one website said add up your year insurance payment. if its more than 10% of the car then you shouldn't have full coverage. i pay like 1k a year in insurance so thats like 20% of the cars value

But the collision on that is probably a pretty small fraction. I know when I dropped collision on my Malibu, it didn't really save me much money.


Might save, what, $300

that's some good beers, man

people generally overinsure most stuff, and paradoxically, fail to catastrophically insure other important stuff
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Re: but I won't cry for RANDOM THOUGHTS

Postby Bill McNeal » Mon Jul 08, 2013 11:15:31

Doesn't "full coverage" mean comprehensive, which goes above and beyond collision/liability and covers any damage caused to the car by any means? When I paid off my cars I took the comprehensive coverage off but left liability and collision. I'm not worried about getting absent fixed on my old cars but if I get into an accident I want my cars to be fixed or be compensated for it.

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Re: but I won't cry for RANDOM THOUGHTS

Postby jamiethekiller » Mon Jul 08, 2013 11:18:27

now we're getting to the meat and potatos

edit: dude deleted his post

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Re: but I won't cry for RANDOM THOUGHTS

Postby The Dude » Mon Jul 08, 2013 11:19:09

whoops, i didn't mean to

i was saying something about don't you have to factor in what you'd pay for damaging other property, not just the value of your car
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Re: but I won't cry for RANDOM THOUGHTS

Postby TenuredVulture » Mon Jul 08, 2013 11:24:35

I'm pretty sure damage to other property is under liability. Remember, if the accident isn't your fault, the other party's liability insurance will cover you. Comprehensive would cover damage to your car that is your own fault, theft, and stuff like hail and tree limbs falling on your car.

Given that you need your car, the real advantage to the additional coverage may be the rental that you would get if you lost the use of your car. But as Doc Smooth pointed out, these aren't necessarily catastrophic losses. If you bought your insurance through an agent, it might not be the worst idea to discuss your coverage with the agent. And you never know--I've found it makes sense to shop around on insurance every couple of years--do you have renters insurance? You should. And you can probably get a discount if you combine coverage.
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Re: but I won't cry for RANDOM THOUGHTS

Postby choco » Mon Jul 08, 2013 16:51:35

Combining coverage usually gets you a discount on the renter's insurance part and that's a few hundred bucks a year, so a 10% discount might save you $25 bucks.
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Re: but I won't cry for RANDOM THOUGHTS

Postby Bucky » Mon Jul 08, 2013 17:49:10

great, now i'm gonna have geico banner ads down the bottom

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Re: but I won't cry for RANDOM THOUGHTS

Postby The Nightman Cometh » Mon Jul 08, 2013 22:59:00

Is there any protection against repeated false DYFS reports, or is government sponsored harassment cool now?
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Re: but I won't cry for RANDOM THOUGHTS

Postby SK790 » Tue Jul 09, 2013 01:59:45

my parents bought me a buttload of clothes that fit and told me to repay them by buying beers for them at total wine. never felt closer to them.

also h/t to smitty for some formal shirts for free and hiking boots(!!!); and the bsg deals thread for some tips on cheap clothes. now i won't look so disheveled in clothes that are 2 sizes too big.
I like teh waether

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Re: but I won't cry for RANDOM THOUGHTS

Postby Barry Jive » Tue Jul 09, 2013 10:46:19

i forgot about the smell of baby puke for a long time. last Sunday night at dinner I caught a whiff of it from another table at the pho joint, and now i'm having flashbacks to it, along with the summer morning stench of city-prepared lunches for summer day camp attendees. the latter flashback came first; the former was a natural complement. when i get home i'm stuffing my face into my stinky spit- and rust-infused trumpet case so i can think of summer morning band practices instead.
no offense but you are everything that's wrong with America

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Re: but I won't cry for RANDOM THOUGHTS

Postby drsmooth » Tue Jul 09, 2013 11:03:37

Barry Jive wrote:i forgot about the smell of baby puke for a long time. last Sunday night at dinner I caught a whiff of it from another table at the pho joint, and now i'm having flashbacks to it, along with the summer morning stench of city-prepared lunches for summer day camp attendees. the latter flashback came first; the former was a natural complement. when i get home i'm stuffing my face into my stinky spit- and rust-infused trumpet case so i can think of summer morning band practices instead.


makes me feel a bit better about my world
Yes, but in a double utley you can put your utley on top they other guy's utley, and you're the winner. (Swish)

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Re: but I won't cry for RANDOM THOUGHTS

Postby Barry Jive » Tue Jul 09, 2013 11:13:36

that's why i'm blazing a trail to make everything smell like weed all the time
no offense but you are everything that's wrong with America

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Re: but I won't cry for RANDOM THOUGHTS

Postby Soren » Tue Jul 09, 2013 11:53:40

Barry Jive wrote:that's why i'm blazing a trail to make everything smell like weed all the time

Image
Olivia Meadows, your "emotional poltergeist"

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Re: but I won't cry for RANDOM THOUGHTS

Postby Barry Jive » Tue Jul 09, 2013 11:57:26

best dude
no offense but you are everything that's wrong with America

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Re: but I won't cry for RANDOM THOUGHTS

Postby drsmooth » Tue Jul 09, 2013 12:32:18

not much is happening today, and what is is developing slowly
Yes, but in a double utley you can put your utley on top they other guy's utley, and you're the winner. (Swish)

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Re: but I won't cry for RANDOM THOUGHTS

Postby Houshphandzadeh » Tue Jul 09, 2013 12:35:35

could pay for my parking ticket if you need a little excitement

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Re: but I won't cry for RANDOM THOUGHTS

Postby drsmooth » Tue Jul 09, 2013 12:54:31

Houshphandzadeh wrote:could pay for my parking ticket if you need a little excitement


everything's done online these days, innit
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Re: but I won't cry for RANDOM THOUGHTS

Postby Soren » Tue Jul 09, 2013 15:31:20

yo php what's with this -> bullshit
Olivia Meadows, your "emotional poltergeist"

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Re: but I won't cry for RANDOM THOUGHTS

Postby The Nightman Cometh » Tue Jul 09, 2013 16:20:48

Every time I have a moral dilemma in WAWa about whether to get a diet Mountain Dew, I think "Fuck it, Bucky is still kicking" and get it.
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