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Comments
What the heck is "gap" insurance.
For example, a $25,000 car is totaled the next day after purchase. It was financed by a 60-month loan, one $1000 down. Without the gap insurance, the collusion/comprehensive insurance will pay a fair market value of a used car, i.e. something like 80% of its price, $20,000. The owner is without car, and still owe his bank the difference, $5,000 minus downpayment and the part first month payment going to pay-off, not interest. Something like $3,600.
The gap insurance covers the risk. It is especially important with low downpayment, the longer loans, and the cars, depreciating fast.
About the same is with lease, only somewhat more complicated.
Excellent description/definition.
Now what I find amusing is that you called
it "collusion" insurance.
I know you have been in the US about 5 years
and still are getting a command of our language. I commend you for that, I am
humbled by that. In no way is what I'm about
to say/or have said meant to be a put down,
as I can tell from your many posts, you have
a 12 cylinder brain compared to my 6.
Yet, I am amused at the irony of the error, as,
for most of us, it feels like collusion on the
part of the insurance company to make us
buy policies that we don't need, or pay too
much for them.
Now that I understand what gap insurance is,
I can see where it is good to know you have
that option.
Thanks again.
Using various sites like GM BuyPower, Edmunds, CarsDirect, etc. to gather information,... according to CarsDirect, a loaded GS would cost about $24,000 AFTER the $2,000 GM rebate. But can one also go with the GM 3.9% 36 month finance program? Or is it a matter of choosing the rebate vs the 3.9% financing. Here in souhthern California there are still plenty of 2000 GS/GSE models on dealer lots. FWIW, a 2001 model seems to demand an additional $1,500 for the same options.
A quick response from anyone in 'the know' would be greatly appreciated. The car shopping starts this week! Thanks.
I think you should check it out with GMAC, but I have to agree with others here- I believe GAP insurance is included with every GMAC lease.
I have a question for those who are looking at 2001 models more than I am right now. Does the 2001 Regal GS have SEPARATE dual exhausts like previous models or is it just two pipes coming out on one side- the passenger side? Thanks.
fastdriver
Yes, this is a sort of errors the spell-checker cannot catch. Words are looking similar, but have very different meaning. Such mistakes often looks as a pun. Nothing specific with English: the same often happened in the former USSR with non-native Russian speakers.
Concerning the gap insurance. Unfortunately, it is not always easy available. Some insurance companies offer the options, other not. The same with finance packages: as you can see from other posts, it is not obvious, is the gap insurance included in GMAC lease, or not.
When buying the 2000 Regal with very low deductibles, I asked my insurer, if the gap insurance option is available. The answer was negative. The customer service suggested to buy the insurance from dealer, but I decided instead to take the risk. After all, I'd bear the same risk, would I put more down.
http://www.buick.com/regal/vgallery/virtual.html
http://www.buick.com/regal/vgallery/videos.html
The same with the 2000 Regal GS.
http://www.buick.com/regal/pricing/current.html
It is a pity you missed the October incentives.
Thanks. Don't know why I didn't think of that. I'm at the Buick site enough times. So, is it still a true dual exhaust or only made to look that way?
Why'd they do that? I like the true dual exhausts coming out the back. Now it reminds me of my 300M! UGH! Once I get rid of this thing, I don't want ANYTHING that will remind me of it!
fastdriver
I received a coupon from Buick (you probably
will too, about 8 weeks after you buy or lease).
In any case, it is to "give to a friend".
It is for $500.00 off your best deal on a new
2000 Regal (buy or lease). It can be combined with rebates/finance programs and of course GM dollars. Just can't be used by a GM employee.
It expires 12/31/00.
Anyway, I'm here in San Diego.
Let me know if you want it.
I do not know, but most probably not - if "true" dual exhaust is with pipes going from the engine. Two catalytics would be too expensive.
fastdriver
So far very happy!
1-When turned car off, a/c compressor would go on and kill battery. Fixed under warranty. TSB issued for correction
2-Passenger rear window failed
3-Most annoying rattle in dash. Never fixed as dealer tech proved less than capable.
That's about it...not bad for a first year....oh yeah one last problem. Driver's window moulding kept shifting to the rear making it difficult to close the driver door. Used a 2x4 and mallet to pound it back into place. Usually good for 2-3000 miles before requiring repeat. Dealer installed clip but that fell out so resorted to my old 2x4.
Good luck on yours...
My dealer Krazy - Glued the molding under warranty without my asking when I had my '99 in for servicing. So unhand that 2X4.
From that manifold to the exhaust header, there is a flexible joint. The transverse engine moves with torque and would damage the connection if it didn't move. look at the connection and you will see springs on the bolts that allow it to flex.
My '98 GS has a muffler after the converter that is long and round and looks like a glasspack then it curves around the rear suspension into the rear muffler that has two chrome outlets.
There was a post about a month back linking to a Pontiac site that had a cat-back exhaust for the Regal for about $400. The Regal (GNX)show car shown at SEMA had a Borla cat back system, don't know if it is available from them or just a one-off unit.
Also noticed the whacked out response
from 1415. He's an odd bird.
I know you said MSRP and indeed are correct in what you stated. Just let it pass man.
When you wrestle with a pig all you do is get
mud all over yourself and you annoy the pig.
Thanks
My opponent was somewhat mis-informed concerning Regal GS, and nothing worse. He was genuine surprised by some data, and told this. Very natural.
As to "old birds", I like to talk with older people. Always did, from the time I was a small kid. My parent always sent me to my grand parents for the summer vacations. I was spending a lot of time with them and their friends.
Learned a lot from them: from the basic morale and the family (and country) history, and up to some obscure scientific theories which only recently started to go mainstream.
Yes, older people, in average, are complaining more often than younger ones. Does not mater for me.
obtain wisdom where wisdom is present.
Especially wise is he who can learn from
anothers mistakes without having to
go through them himself.
Old, young or whatever.
In my post I stated he is an ODD bird.
I think you may have misread it as OLD.
At the top of his post (which I was responding
to) were the words "Back Off".
Since that was followed by his response to you, it was my (perhaps incorrect) assumption
that he was directing "back off" to you.
Those are pretty strong words; (hostile) disproportionately strong in light of the fact that you were merely stating the MSRP of a car.
I read his response to your post which included you re-emphasizing MSRP and a
link. Yes, it appears that he then genuinely
reconsidered the facts as you stated them.
The thing I find disturbing is his attitude in the
first place. If that post were an isolated incident, it would be one thing, but you and I
both know from hanging around that forum, that it is not. He consistantly blasts (attacks)
people based on his opinions, which at times
are informed, and just as many times, are
misinformed.
Given the delicate nature of this medium,
as a gentleman, and someone of his experience and wisdom, one would think
that diplomacy and giving one "the benefit of the doubt" is something he would have
learned by now; but apparently not.
In any case, thank you for your post and all your posts. You are a gentleman and an
asset to all the forums you post to.
And I indeed did not grasp yet more subtle aspects of English, like what wording is strong and what is soft.
Thank you for the explanations!
Any word yet from GMAC about that insurance?
fastdriver
I am waiting for the next bill. If the payment will not decrease, I will call GMAC.
In the "base" model LS the suspension
is called "sport" suspension.
I test drove an LS with the "sport" suspension
and it is as most people associate with Buicks; floaty.
Seems pretty odd (there's that word again)
to describe floaty suspension as "sport".
Moving up to the "Gran Touring" suspension
you get more of a firm ride (though I would like
even more firm).
You mentioned a bushing as one of the differences between the two suspensions.
Are you aware of any other specific differences?
http://www.geocities.com/gs96_2000
So where is the guy with the supercharged '95? Did he buy it used? Just wondering cause if he was the original owner and had a supercharger and didn't upgrade, then......