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  • steverstever Guest Posts: 52,454
    edited October 2016
    The cars haven't gone away, there's just a lot of site reorganization going on (thus the log-in issues too). And the office took the holiday off yesterday, so it's been a long weekend.

    Try this link.
  • driver100driver100 Member Posts: 32,594

    qbrozen said:

    Is that sable a GS or LS?

    LS

    The Sable looks like a great buy....hope the little old lady isn't a cubsider. :p

    He is lucky to have such an astute used car buyer to rely on...you have to know what you are doing if buying privately. Why would she have to get that last $50????????

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • driver100driver100 Member Posts: 32,594

    Lumberton NC has suffered a lot from the flooding due to the rains around the hurricane.
    Sterlingdog was from there. I hope he's not among the many damaged from the flood
    waters of the Lumberton River that gets mentioned in the news.

    Is there any update from Mike? I haven't heard from him.

    I miss sterlingdog a.k.a. Richard too, and I was thinking about him with all that flooding in his area.

    I haven't been able to contact Mike but I understand he was just moved to rehab...a good sign - and things are progressing forward, but slowly. A lot of rehab to get back to some kind of normal life, but, the actual surgery seems to be a success. There are side issues that have to be addressed.

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • graphicguygraphicguy Member Posts: 14,130
    OF....great job! 3 in one month....that is impressive.

    You have more patience than me. Regardless of the age of the seller, if someone would have tried to re-negotiate after agreeing on a deal and shaking hands, I would have walked. Lots of things I can tolerate.
    I can't tolerate reneging on a deal.
    2024 Kia EV6 GT-Line AWD Long Range
  • fordfoolfordfool Member Posts: 240
    Michaell said:

    ab348 said:

    Echo in here all of a sudden.

    BTW, did you know that Texas charges tax on full value of the vehicle, whereas most states will take just value of the lease ? ;)

    So does Maryland, Georgia and Virginia.
    So it's no coincidence that those four states are among those states with the lowest lease rates in the country.
    http://blog.caranddriver.com/the-most-commonly-leased-car-brands-in-america-and-the-most-commonly-purchased/
  • MichaellMichaell Moderator Posts: 263,178
    fordfool said:

    Michaell said:

    ab348 said:

    Echo in here all of a sudden.

    BTW, did you know that Texas charges tax on full value of the vehicle, whereas most states will take just value of the lease ? ;)

    So does Maryland, Georgia and Virginia.
    So it's no coincidence that those four states are among those states with the lowest lease rates in the country.
    http://blog.caranddriver.com/the-most-commonly-leased-car-brands-in-america-and-the-most-commonly-purchased/
    None whatsoever.

    There are alternatives to leasing for those states - a variation of a balloon program, but the car is titled to you, not the leasing company.

    Edmunds Price Checker
    Edmunds Lease Calculator
    Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!


    MODERATOR

    2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige

  • stickguystickguy Member Posts: 53,461
    NY used to have that. for a while, for some odd reason, you could not lease in NY so the dealers had to create faux-lease programs like that. I believe it was because the state considered the leasing company to be the owner, and responsible (and sueable) for accidents.

    2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.

  • MichaellMichaell Moderator Posts: 263,178
    stickguy said:

    NY used to have that. for a while, for some odd reason, you could not lease in NY so the dealers had to create faux-lease programs like that. I believe it was because the state considered the leasing company to be the owner, and responsible (and sueable) for accidents.

    And, NY still does not allow multiple security deposits to buy down the money factor.

    Illinois changed their tax laws a couple years ago - they used to tax the entire selling price. Now they tax the sum of the monthly payments, like NY or NJ.

    But, Cook County (Chicago) then assesses tax again on the monthly payment. Effective tax rate is something like 15-17%.

    Edmunds Price Checker
    Edmunds Lease Calculator
    Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!


    MODERATOR

    2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige

  • jmonroejmonroe Member Posts: 8,989
    stever said:

    jmonroe said:

    berri said:

    Sully was also a glider pilot which certainly helped. In my book he is a quiet hero who makes us proud to be an American. No bluster, just humble and capable.

    Isn't it amazing that the people who have the most skills at what they do are almost always humble.
    I think some of that is because the more you know, the more you realize how much you don't know.

    Lots of leasing info here.

    I'm a know-it-all. Just ask Mrs. j, I hear it from her all the time. I'm not going to suffer the consequences by trying to correct her.

    It's a lot safer just letting her remind me about it. :'(

    jmonroe

    '15 Genesis V8 with Ultimate Package and '18 Legacy Limited 6 cyl

  • fordfoolfordfool Member Posts: 240
    Michaell said:

    There are alternatives to leasing for those states - a variation of a balloon program, but the car is titled to you, not the leasing company.

    When leasing became popular the banks lobbied for a balloon payment leasing scheme. The banks with their names on lease titles felt that they were the "deep pockets" in attorneys' gun sights. (Sue both the driver and the car owner.) But legislatures (comprised mostly of attorneys) defeated the banks' plan.
  • oldfarmer50oldfarmer50 Member Posts: 24,242
    jmonroe said:

    qbrozen said:



    Michaell said:

    henryn said:

    A couple of interesting things in that article:


    Interest rates are usually higher on leases than car loans. According to WalletHub’s recent survey of car manufacturers’ financing arms, auto dealers charge 1.45 percent on average 36-month car loans versus 4.58 percent APR for leases.

    Mr. Hall of Swapalease said 31 of every 100 new car sales last year was a lease, which is a record high. He said consumers are drawn to car leases because of the low expense involved in driving newer cars.
    I thought the interest rate on leases was supposed to be very low, I was under the impression that was part of the appeal of leasing. Apparently I thought wrong.

    And from all of the talk I see here in Edmunds about leasing, I was under the impression that the percentage of new car sales going via lease would be higher than 31%.
    I don't know where the author is pulling his data from; I would say that over 95% of the lease numbers I quote are less than the 4.58% cited. In fact, the only cars where the lease rate is higher than that is the Yukon / Tahoe / Suburban and limited edition or sporty models (Mustang GT, Charger / Challenger R/T, etc.).

    The lease on my Jetta is at .12% (yes, that's point 12 - almost free money. I think the total amount of interest I'm paying on my lease over 36 months is less than $200.
    You may remember me mentioning financial talk show host Dave Ramsey claiming lease money rates were 15% so I guess when you write about them you can pull your figures out of you-know-where.


    When we bought the T&C, I thought we were going to lease it due to the extra lease cash involved, but it turned out the rate was so high (over 7%) and extra fees made giving up that money and taking a low finance rate worked out to less total cost for us.
    One of the reasons that I shy away from leases is that I have a hard time understanding exactly what I am financing. If I understand it correctly you are basically borrowing the total of lease payments at the start with the interest added? That's the money factor? Does Edmunds have a tutorial?

    On the car buying front I have hit my trifecta by buying the third vehicle in a month. I bought the 2004 Chevy van, the 2001 Sentra for my niece and now finally the car for my son that started all my shopping. A 2005 Mercury Sable owned by a 91yo lady who spent most of her time in Florida where she bought it from another old lady. No rust, low milage, smooth riding grandma car that my son prefers. Underneath it was cleaner than most new cars.

    She asked $3700 i offered $3500 and we settled on $3550. Feisty old gal tried to reopen negotiations after we shook hands. Even used the old "I have another buyer coming in an hour" ploy. I convinced her that $3550 in the hand was worth a million in promises .

    We turned the title over to my son who was suprised but had suspicions that I was shopping for him since I asked him to look at pictures of half the cars for sale on Craigslist.







    Congrats on that feat. I never did more than one in a month. The car looks pretty good too. Little old ladies don't usually work them out hard.

    FWIW, Son #2 bought a used 2014 CPO Fusion Titanium with 6200 hundred miles on it last week but I don't have any details other than he went to the Akron Ohio area to get it. Like I have said before, going out of state for a car ain't nothing new to the jmonroe family.

    When I get more info I'll post it. I just saw it briefly on Sunday but it looks pretty nice.

    jmonroe

    Good for him. I looked at a number of Fusions in my search, usually old 2006 era. I liked the reviews. They were much more modern designs than the old Taurus/Sable twins. Alas everything out there was too expensive or too miled up for my budget.

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • oldfarmer50oldfarmer50 Member Posts: 24,242
    qbrozen said:

    qbrozen said:

    Is that sable a GS or LS?

    LS

    Ah, good. The duratec rather than the iron boat anchor.
    I passed on a number of cheap cars because they had the Vulcan rather than the Duratec. Not because of reliability but because of the 155hp vs. 200 hp.

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • oldfarmer50oldfarmer50 Member Posts: 24,242
    driver100 said:

    qbrozen said:

    Is that sable a GS or LS?

    LS

    The Sable looks like a great buy....hope the little old lady isn't a cubsider. :p

    He is lucky to have such an astute used car buyer to rely on...you have to know what you are doing if buying privately. Why would she have to get that last $50????????
    Yeah, I haven't been bumped like that since my last sleazy car salesman. :p

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • houdini1houdini1 Member Posts: 8,351
    edited October 2016
    stever said:

    There's a ticket being worked on for the log-in issues btw. It's affecting a couple of other areas of the site.

    (Isell, you should try the lost password link again or contact Help)

    I thought you said the fault was with isell's computer ??? Bump for isell.

    2013 LX 570 2016 LS 460

  • steverstever Guest Posts: 52,454
    Beats me - not even sure if he got the last email I sent him. Nor if he found a 12 year kid to help him. :)
  • snakeweaselsnakeweasel Member Posts: 19,592

    FAA says the movie wasn't accurate about Sully's hearing--that in fact the meetings were not that adversarial at all.

    What? A movie not being accurate? Next you're going to tell me that that Nigerian Prince that emailed me is a fraud.

    2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D

  • snakeweaselsnakeweasel Member Posts: 19,592
    ab348 said:

    driver100 said:

    I have been on a plane when it came down pretty heavy on the runway....I was glad to stumble away after some of those landings.

    Another thing is it seems a lot of those planes can use a good wheel balance too...not sure why some planes thud along the runway so much.


    I remember back in the '80s on my first flight into National Airport (now Reagan National) in D.C. I was sitting next to someone who had flown into there often and he told me the approach would be fun because the flight path took us up the Potomac and that to expect a hard landing because the runway was short, so pilots slapped it down as quick as they could. He was right on both counts. I was amazed to look out the window on approach and look at people through the windows of the office buildings they were in, seemingly not too far way - not sure actually how close they were but it was jarring to look up at a building from the plane. And sure enough, that Eastern Airlines pilot thumped us down so hard my tailbone hurt. Hate to think what those kind of landings do to the structure of the airframe. But we walked away of course.

    I suspect the thudding along the runway is probably due to flat-spotted tires from those landings. What always got to me was the screeching sound some airliners made when the pilot applied the brakes, not from the tires, but a metal-on-metal sound.
    You should fly into Midway airport in Chicago, there are homes within a few hundred yards of the runway. It's odd in as you and you see house after house after house and as soon as the houses stop you're on the ground.

    2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D

  • imidazol97imidazol97 Member Posts: 27,682
    I have a question for the techies here about audio.

    My Malibu (14) has an optional Pioneer sound system with 9 speakers and 250 w. I have mp3's that I have burned to CD's and the same mp3's on a USB drive. I swear the music sounds fuller from the USB than the CD player source. Since both are digital, shouldn't they turn out the same? To my 5 watt quality ears, the bass is where the nuances sound out the best on USB.

    2014 Malibu 2LT, 2015 Cruze 2LT,

  • berriberri Member Posts: 10,165
    MDW is tight. Where LGA is an issue is water, short runway and relatively tight distance to apron and terminal building. IIRC MDW has a bit more spacing that way. At LGA you kind of fly over the city or stadium (depending on direction) and drop in. Of course that is true at SAN too, and there is a tall parking structure close in to boot. In Sully's case, no power meant likely no reverse thrust; if plane skid on landing it would potentially involved a lot more than just his Airbus. But I also agree with Shifty - It's Hollywood B)
  • driver100driver100 Member Posts: 32,594
    stever said:

    The cars haven't gone away, there's just a lot of site reorganization going on (thus the log-in issues too). And the office took the holiday off yesterday, so it's been a long weekend.

    Try this link.

    Do you guys celebrate Canadian Thankgiving? :D

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • steverstever Guest Posts: 52,454
    We do. I went out and polished up the '57 Frobisher to celebrate. ;)
  • snakeweaselsnakeweasel Member Posts: 19,592

    I have a question for the techies here about audio.

    My Malibu (14) has an optional Pioneer sound system with 9 speakers and 250 w. I have mp3's that I have burned to CD's and the same mp3's on a USB drive. I swear the music sounds fuller from the USB than the CD player source. Since both are digital, shouldn't they turn out the same? To my 5 watt quality ears, the bass is where the nuances sound out the best on USB.

    If you simply converted your MP3's to a CD format (WAV) then the files would degrade some in the process which could be the reason for poorer sound quality from the CD.

    You could get a data CD and just copy the music as MP3's and see if that works.

    The very simple solution is just play your music off of the USB's.

    2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D

  • oldfarmer50oldfarmer50 Member Posts: 24,242
    I saw a white Buick convertible yesterday that at first glance looked like a BMW 1 or 2. Does anyone know what that was? Didn't even know that Buick made a vert. Looked kind of nice except it had a back window the size of a thimble.

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • driver100driver100 Member Posts: 32,594
    edited October 2016
    stever said:

    We do. I went out and polished up the '57 Frobisher to celebrate. ;)

    How about a 57 Meteor or Monarch?


    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • driver100driver100 Member Posts: 32,594
    I was watching the news last night and they mentioned Matthew had struck Lumberton NC. I am pretty sure that is where Ricard/Stirlingdog had moved to. Hope he is OK.

    Nearly 4,000 people have taken refuge in North Carolina shelters, including about 1,200 people in the hard-hit Lumberton area, where the Lumber River had crested at almost 4 feet (1.2 meters) above the prior record set in 2004 after Hurricane Frances.

    Water blanketed the city of 21,000 people, leaving businesses flooded, homes with water up to their roof lines and drivers stranded after a stretch of Interstate-95 became impassable.

    "We lost everything," said Sarah McCallum, 62, who was staying in a shelter set up in an agricultural center after floodwaters drove her from her home of 20 years.

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • snakeweaselsnakeweasel Member Posts: 19,592
    I saw a white Buick convertible yesterday that at first glance looked like a BMW 1 or 2. Does anyone know what that was? Didn't even know that Buick made a vert. Looked kind of nice except it had a back window the size of a thimble.
    It's a new model, first year was 2016. It's called the Cascada and starts in the low 30's. It would be on the short list to replace the Sebring. 

    2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D

  • snakeweaselsnakeweasel Member Posts: 19,592
    Well the Cubs made a great come from behind victory in the 9th last night in San Francisco to advance to the National league championship series. With Toronto and Cleveland fighting it out for the American League championship that makes 3 of the 4 remaining teams Great Lakes teams. 

    2011 Hyundai Sonata, 2014 BMW 428i convertible, 2015 Honda CTX700D

  • dino001dino001 Member Posts: 6,191
    edited October 2016
    ab348 said:

    Echo in here all of a sudden.

    BTW, did you know that Texas charges tax on full value of the vehicle, whereas most states will take just value of the lease ? ;)

    Sorry about that. I was posting it at the airport's wifi using my tablet and it wasn't showing up. Don't even know how many times I clicked it, but it had to be a lot, but my tablet was still saing nothing was. Then I boarded a plane going overseas and the hosts obviously cleaned it up in the mean time.

    2018 430i Gran Coupe

  • driver100driver100 Member Posts: 32,594
    Buick Cascada...looks like a VW Eos:

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • driver100driver100 Member Posts: 32,594
    did you know that Texas charges tax on full value of the vehicle, whereas most states will take just value of the lease ?


    That charging full tax on a lease is crazy.....that is a case of taxes gone crazy!

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • qbrozenqbrozen Member Posts: 33,749
    driver100 said:

    Buick Cascada...looks like a VW Eos:

    The design is so-so, but the proportions look all wrong to me. Not befitting a Buick, IMHO. Makes me think of something like a Japanese Kei car.

    '11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S

  • imidazol97imidazol97 Member Posts: 27,682
    edited October 2016

    If you simply converted your MP3's to a CD format (WAV) then the files would degrade some in the process which could be the reason for poorer sound quality from the CD.

    You could get a data CD and just copy the music as MP3's and see if that works.

    The mp3's are what I'm playing. They were converted from the wav files on CD's by Windows Media Player at 320.
    So I thought the sound would be the same.

    The sound from either USB or CD mp3 is better than XM by a long shot playing the same Broadway music.



    2014 Malibu 2LT, 2015 Cruze 2LT,

  • imidazol97imidazol97 Member Posts: 27,682
    @stever7
    "Frobisher"--the interior decorator?

    2014 Malibu 2LT, 2015 Cruze 2LT,

  • ab348ab348 Member Posts: 20,324
    berri said:

    MDW is tight. Where LGA is an issue is water, short runway and relatively tight distance to apron and terminal building. IIRC MDW has a bit more spacing that way. At LGA you kind of fly over the city or stadium (depending on direction) and drop in. Of course that is true at SAN too, and there is a tall parking structure close in to boot. In Sully's case, no power meant likely no reverse thrust; if plane skid on landing it would potentially involved a lot more than just his Airbus. But I also agree with Shifty - It's Hollywood B)

    A couple of years ago I flew into LGA on a beautiful clear night coming up from the south. We flew just offshore most of the way in so I got a good look at the Jersey shore and then Manhattan appeared in all its glory when we were probably at 5000 feet of so - just spectacular. As you said we circled over the stadium before touchdown and yes, there was a lot of water all around us. Probably not a fun approach on a stormy or foggy night.

    2017 Cadillac ATS Performance Premium 3.6

  • graphicguygraphicguy Member Posts: 14,130
    I know some of you are "anti-cruise". But, I have to be in Orlando to do some work Friday. Just because, I looked at cruises going out of FL just to see how Matthew may have affected them. The sales of cabins must have taken a huge dip.

    Long and short of it, I found a last minute 7-day cruise out of Miami that's leaving this Saturday. Cheap, cheap, cheap. So, looks like I'm taking a vacation. It's a "non-assigned" cabin, so I might be in the engine room shoveling coal, but I'm taking time off, either way.
    2024 Kia EV6 GT-Line AWD Long Range
  • steverstever Guest Posts: 52,454

    @stever7
    "Frobisher"--the interior decorator?

    The pirate - after losing a ship to ice they celebrated "Thankgiving" in 1578, either in Nunavut or Newfoundland. ;)
  • Mr_ShiftrightMr_Shiftright Member Posts: 64,481

    Well the Cubs made a great come from behind victory in the 9th last night in San Francisco to advance to the National league championship series. With Toronto and Cleveland fighting it out for the American League championship that makes 3 of the 4 remaining teams Great Lakes teams. 

    Still awaiting word on time and place of Crawford's public execution. :p
  • ab348ab348 Member Posts: 20,324

    Well the Cubs made a great come from behind victory in the 9th last night in San Francisco to advance to the National league championship series. With Toronto and Cleveland fighting it out for the American League championship that makes 3 of the 4 remaining teams Great Lakes teams. 

    Still awaiting word on time and place of Crawford's public execution. :p
    They really should just line up the entire Giants bullpen in front of a wall and... well, you can guess. :disappointed:

    2017 Cadillac ATS Performance Premium 3.6

  • driver100driver100 Member Posts: 32,594
    stever said:

    @stever7
    "Frobisher"--the interior decorator?

    The pirate - after losing a ship to ice they celebrated "Thankgiving" in 1578, either in Nunavut or Newfoundland. ;)
    Thanks, you know more about Canadian history than me. I hadn't heard of Frobisher....when we took up Thanksgiving in Grade school we just learned about The Pilgrims....same as youz guz.

    Unfortunately, I checked out the wikipedia site and they got me to donate $3...actually, they deserve it!

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • driver100driver100 Member Posts: 32,594

    Well the Cubs made a great come from behind victory in the 9th last night in San Francisco to advance to the National league championship series. With Toronto and Cleveland fighting it out for the American League championship that makes 3 of the 4 remaining teams Great Lakes teams. 

    Still awaiting word on time and place of Crawford's public execution. :p
    Talk about politically correct, the Jays announcer will not use the word "Indians" when naming the team.

    2017 MB E400 , 2015 MB GLK350, 2014 MB C250

  • andres3andres3 Member Posts: 13,938
    houdini1 said:

    Driver, there are different types of no fault insurance. In many jurisdictions, the no fault law only applies to bodily injury claims. I don't know about Canada, but I would say that there would be a good chance that the no fault law would not apply to your type of loss.

    In the U.S. the law varies from state to state, and in Canada it probably varies from province to province If the law only applies to bodily injury losses, your insurer should reimburse you for your loss of use of your car as primary insurance (which they have, up to the limit). Then they should continue to reimburse you for the rest of your rental expense, and then recover the entire amount from the other insurance company.

    Check with your broker, even he might not be aware of this. Also if you have a copy of your policy, read it and see what it says. It should be very clear on this point.


    houdini1 - are you referring to driver's car insurance as it affects the rental car portion of it, or the whole car insurance policy and what it can and can not protect for him?

    In this case I was only referring to the rental car portion since there was where the problem was, but you have raised a good point. If the no fault only applies to bodily injury (which we don't know) the other company could be liable for the entire loss. No insurance company could be that dumb though, so the no fault probably applies to property damage also.

    If that is the case we have to go to plan B. If that $1800. dollar limit can be raised to a higher limit by paying an extra prem., and driver was never offered that option, he could possibly recover his loss under his broker and/or insurer's errors and omissions coverage.
    good luck on trying to get an agent/broker to let you make a claim on errors and omissions insurance coverage. I believe they'd sooner let you run over the family dog then allow that to happen. That's just my personal experience.
    '18 Porsche Macan Turbo, '16 Audi TTS, Wife's '19 VW Tiguan SEL 4-Motion
  • andres3andres3 Member Posts: 13,938
    houdini1 said:

    driver, here is one other thing to consider. Even if ''no fault'' applies to property damage, when there is a "no fault" accident, that doesn't mean that no one was at fault. Fault is always assigned. You were not at fault so you might be able to recover your property damage deductible in this case. Talk to your broker.

    In California, I always opt for paying zero for additional rental car coverage under the following reasoning:

    1) My assumption based on my own analysis is that if I need a rental car it is 99% of the time going to be because someone else caused an at-fault accident, so I don't need my own coverage, the rental will be billed to the at-fault insurance company/driver. The other .99% is if my car is stolen. Basically I operate under the assumption I'll never cause an at-fault accident. It has paid off handsomely for me so far.

    2) You have to choose a stated amount, typically $30 to $50/day with a limit that works out to 30-60 days. You probably won't be able to get an Audi for $50/day without heavy negotiation.

    3) For the first time I'm a two car man. Having 3 cars for 2 people makes having one car "down" less of an issue and a hassle to where a rental might not be absolutely necessary anymore. This is one of the benefits I like most about being a 3-car family.

    4) The less additional optional coverage you pay extra for, the less chance you have of being greatly disappointed when you get cheated and short-changed at claim time. Best example is CA's underinsursured/uninsured coverage. Those two things are always lumped together, but when you opt for the deductible waiver so that you are out of pocket zero dollars when you are not at fault, you get your expectations shorted because they managed to sneak in an exclusion for under-insured drivers. Who would have thought that? Better to be hit by an uninsured driver than an under-insured one!

    5) Also, they consider entities like a City self-insured, therefore, that doesn't fall into the under/un-insured arena either. Good to know for when a La Mesa PD hits you.
    '18 Porsche Macan Turbo, '16 Audi TTS, Wife's '19 VW Tiguan SEL 4-Motion
  • andres3andres3 Member Posts: 13,938

    andres3 said:

    houdini1 said:

    driver100 said:

    houdini1 said:

    driver100 said:

    I have reached the limit of the insurance company paying for my rental car. The limit was $1800. I called Discount to see what it would cost to keep the BMW X1 for 3 weeks. They said $99 a day! I asked how much for a full size like a Fusion, they said $50 a day.

    My dealer will get me a full size car from Enterprise for $226 a week. Enterprise website says I can get a full size car for $250 a week. The BMW would have been about $2000 for 3 weeks, a full size car about $1200.

    Sure can make a big difference....you really have to do your homework.

    I just got an email from the insurance company looking into the $2600 I would like for the Tech Package. All it said was, "We are looking into it".

    Meaning, they are in the process of chewing your broker out and implicitly threatening him. Telling him to stick to selling and leave the claims handling to the claims dept. Hopefully, he will stick to his guns. Be careful though, claims people are vindictive and they will try to make it up somewhere else if they have to cave on this issue. I'm sure you know the drill !
    There is a good question for you. Actually, I really think the broker has some clout with the insurance company. We are in a pretty big group, and |I am sure the broker's opinion has to be considered.

    The last I heard, my broker has reapplied for the Tech Package ($2600) option, and the adjuster from the insurance company wrote that she is now reviewing it...before it was just a flat NO.

    But, the question is, isn't better to deal with a broker rather than just buy directly from say a State Farm or Allstate? I hadn't thought about it before, but who do you have fighting for you if you are with one of those direct companies.

    Speaking of insurance, I am glad we are on the West side of Florida this time.
    Yes, much better. If he is an independent broker, he works for you, not the insurance company, and they do have some clout.
    The problem with broker agents is they are often about as useless as "insert favorite cliche here." The term worthless comes to mind, unless you can find one of the rare "good ones" that doesn't quit every year (turnover is high). All you can mostly do is represent yourself, threaten to sue, and threaten to take your business elsewhere. One of the keys is you can't be bluffing with your threats; you must follow through or you make it harder for the rest of us to get a fair claims settlement.
    an independent agent has more clout simply because he can direct traffic to different insurers. If an independent agent sees that a particular insurer plays around when there is a claim they will give that information to their clients when they shop for insurance.

    As for suing, that's mostly an empty threat as most policies (maybe all) have a mediation clause in it. You would be able to sue the other driver and/or their insurer but not yours.
    That assumes their only motivation isn't whoever pays the highest commission for sending clients there way. Claims are rare and may take years, but sales commissions are immediate. It's the same with real estate agents that won't show their buyers any house listed for less than 6% total commission; a total disservice to their client, but in their financial best interest.
    '18 Porsche Macan Turbo, '16 Audi TTS, Wife's '19 VW Tiguan SEL 4-Motion
  • houdini1houdini1 Member Posts: 8,351
    edited October 2016
    qbrozen said:

    driver100 said:

    Buick Cascada...looks like a VW Eos:

    The design is so-so, but the proportions look all wrong to me. Not befitting a Buick, IMHO. Makes me think of something like a Japanese Kei car.
    Not bad, looks sort of like a Nike swoosh. Mfg. in Poland by Opel.

    2013 LX 570 2016 LS 460

  • andres3andres3 Member Posts: 13,938
    driver100 said:

    jmonroe said:

    driver100 said:

    berri said:

    New car looks nice Driver

    Thanks berri. It isn't nice having to wait 4 months for my new car to come in.......the anticipation is a little hard to take.....2 months down, 2 to go. I think I will really appreciate it once it gets here.
    I'm sure you will.

    Keep this one safe, don't stop at anymore yellow lights! :'(

    jmonroe
    I am not sure uyou were here when I heard from the "Supervisor of Accident Reconstruction". I may be repeating myself for some but he said:
    *I did the right thing by stopping for the yellow light
    *You can't argue with physics and science, the truck was not a safe distance behind or he would have stopped.
    *The cop has to rewrite the accident report for their records, which is a real slap in the face for him
    *The cop will be monitored to see how his accident reports are written up
    *They will retrain this cop to look at the scene of the accident and use that when recording, not go by the driver at faults version of events
    *They will review training for future cops.

    He made it sound like it would be a long slow process to charge the truck driver at this point. I am OK with what was done, though I think there is still a very dangerous truck driver on the roads.
    That truck driver just needs to pay attention while driving and that'll make him safe. The only reason you rear-end someone is because you are not paying attention or leaving enough following distance. I think it is the former as you said you didn't brake hard. 100%.

    Meanwhile, in Vermont 5 teenagers were killed by a driving psychopath that created head-on collisions deliberately, and somehow survived. I'm sure there are a couple government agencies that are insurance-friendly that'll attribute these accidents to being speed-related! Got to pad those numbers people like @snakeweasel like to cite!
    '18 Porsche Macan Turbo, '16 Audi TTS, Wife's '19 VW Tiguan SEL 4-Motion
  • berriberri Member Posts: 10,165
    The mp3's are what I'm playing. They were converted from the wav files on CD's by Windows Media Player at 320. So I thought the sound would be the same.


    If you get software like Nero you can use the wave editor and enhance the sound quite a bit. But it can be a bit time consuming I guess. I've converted mp3 to WAV using this technique and felt it enhanced the audio quite a bit on a cd.
  • jmonroejmonroe Member Posts: 8,989
    I forgot about this until now.

    Happy Yom Kippur to our poster buddies who observe.

    jmonroe

    '15 Genesis V8 with Ultimate Package and '18 Legacy Limited 6 cyl

  • sdasda Member Posts: 7,598
    These dealer charges really gripe me. and a $689 dealer handling administration, inspection fee.

    2021 VW Arteon SEL 4-motion, 2018 VW Passat SE w/tech, 2016 Audi Q5 Premium Plus w/tech

  • steverstever Guest Posts: 52,454
    Go south and buy a Toyota from Earl Steward. He "exposes" what's behind dealer fees.

    Short answer = extra profit.
  • stickguystickguy Member Posts: 53,461
    that is why you need to work on it as an OTD price (or on a lease, monthly payment). Both in effect make the doc fee meaningless. Only thing that does matter is the bottom line.

    remember, "the only difference, is the difference"

    2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.

This discussion has been closed.