Originally Posted by Tcoat (Post 3429627)

For me, at my age, driving record and location insurance is dirt cheap and a far better deal than trying to squirrel away replacement value for a car.
For my 2020 Hakone and the wife's top trim 2018 Outback with full replacement coverage accident forgiveness and a $500 deductible we only pay around $900 a YEAR.
This is why I always find the "What do you pay for insurance?" threads that come up hilarious since there is not any possible way people can compare.
You guys pay, pay, pay for everything though! Buddy of mine just bought a $3.2 million two bedroom bungalow that would have cost about $150,000 here.

Originally Posted by Dadhawk (Post 3429636)

I mention this specifically because I almost had it happen many years ago, but it was the factory exhaust on a '77 Honda Civic wagon. The exhaust was either missing a heat shield or was installed improperly, came in contact with the underside of the rear cabin floor, caused a hotspot and scorched the carpet, burning a 6 inch hole in it before I put it out.

Originally Posted by Berserker (Post 3429639)

Wow! I see where you are coming from my friend :eyebulge:

Originally Posted by Dadhawk (Post 3429642)

Yep, dealership and Honda rep said "Hmm, that should never happen". They replaced both the exhaust and the carpet under warranty.

This is the same Civic that they also repainted due to "spider veining" in the paint.

Both were done in the last few months of warranty, and I was the second owner of the car.

Originally Posted by Berserker (Post 3429644)

The universe just didn't want you to have that civic huh :(

Originally Posted by Tcoat (Post 3429627)

For me, at my age, driving record and location insurance is dirt cheap and a far better deal than trying to squirrel away replacement value for a car.
For my 2020 Hakone and the wife's top trim 2018 Outback with full replacement coverage accident forgiveness and a $500 deductible we only pay around $900 a YEAR.
This is why I always find the "What do you pay for insurance?" threads that come up hilarious since there is not any possible way people can compare.
You guys pay, pay, pay for everything though! Buddy of mine just bought a $3.2 million two bedroom bungalow that would have cost about $150,000 here.

Originally Posted by Dadhawk (Post 3429628)

This made me wonder what would happen if the aftermarket part, caused the loss? For example, you add an expensive exhaust system to the car, but a fault in the installation causes the car to catch fire six months later, and the insurance company knows that from the remains.

I suppose they would cover the car anyway, not the exhaust system but....

Originally Posted by Jordanwolf (Post 3429656)

Man 900$.... I pay that in 4 months for one car.

Originally Posted by soundman98 (Post 3429725)

you're also not 600 years old!

Originally Posted by CrowsFeast (Post 3429660)

Ask Frost about the (IIRC) oil cooler and his S2000... Last I heard he was sueing the shop who did the install. (faulty installation, oil in engine compartment, fire).

Originally Posted by Berserker (Post 3429637)

I can't catch a break on insurance. 31 now, never a claim all these years & clean record. When I was young they kept saying it would get cheaper one day G1,G2,G (with driving school for price break), turned 25 (suppose to be cheaper after) etc, not once have I gotten a break lol.. Still pay over $2200 for my Brz currently.

Originally Posted by RToyo86 (Post 3429822)

I think I'm around $1860 a year with monthly payments. I was with TD the year I got mine and they tried to jacked the price up $600 after the first year for no reason.

Once the car is payed off there are a couple of boxes I can untick

Originally Posted by PenGun (Post 3429876)

A bit less than a grand a year on Vancouver Island. We just got a rebate as Covid has brought accidents and payouts down.