Did you recently take on (or consider) a loan of 84 months or longer on a car purchase?
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Chronic Car Buyers Anonymous (Archived)
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His Prius is a C, which probably makes a normal one look like an S-Class.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
There is so much that I like about this car and that I am enjoying - I know I will leave stuff out, but here goes.
Starting with how it looks, from the outside – I find the styling, the lines, the wheels – all very much to my liking. It is [ obviously ] a rather large car, but I find the proportions make it look ‘just right’. Some details, like the LED fog lights mounted low in the front fascia, the shape of the side windows, the shape of the tail lights, the integration of all the styling elements – just looks well done, to me. The paint looks excellent – and as little ‘orange peel’ effect as I have seen on a new car in quite a while. The panel fit is also very tight. Overall assembly quality appears very good – no squeaks, rattles, moans or groans - even over rough railroad crossings.
The inside – the seats are large and I find them very comfortable. The range of adjustments, the heat, the back support [ including up \ down as well as more \ less lumbar ] feels great. The side bolsters are well placed – they provide support but do not get in the way. The startup sounds like a big honkin’ V8. Not loud enough to annoy my neighbors as I idle out of my subdivision at 5:40 on weekday morning - subdued - but exhaust note is enough sound for me to notice and enjoy on acceleration. And at cruise on city streets and on the highway, the sound drops off to barely audible. In fact, with the sunroof in vent position, at 65 to 80 mph on the highway - the whole car feels quite relaxed and smooth and all sound retreats to the background. Allowing enjoyment of the excellent sound system.
The dash does a lot of tricks. I find the display of information clear and crisp – and there are a lot of choices. I can even see weather radar maps! Cool. The fully integrated navigation system works nicely [ it looks like it was designed by the same folks that did my Garmin portable Nav unit ] and the screen is large and sharp. It will show me current local gasoline prices when I happen to be out of town. Etc. Etc.
The heated steering wheel, in the chilly weather we have had here – often in the 20s and 30s lately – is even more wonderful that I expected. I do hate wearing gloves, particularly when driving. This feature is a real treat! The heat comes up quickly and the ventilated seats [ tried once on a sunny 60 degree day ] I expect will also be a welcome addition to my comfort, come Summer. The controls all work intuitively and smoothly – and feel like quality pieces. The entire interior looks and feels to me like the quality of the materials, finish and fit are well thought out and well executed. There is even lighting around the rim of each cupholder! The trunk is [ as expected ] huge – and the rear seats [ also heated ] will also fold down.
The acceleration is a real treat. Effortless thrust always instantly available. At mid-13s in the quarter mile, it is not the quickest car I have ever had [ that would be the 2007 Corvette ] but it is quite a lot quicker than the GTI [ of course ] and in line with the Pontiac G8 GT V8 and the BMW 335iS I had. Very satisfying acceleration. Helped by the 8-speed automatic, that offers entertaining acceleration at low or high speeds, shifting quickly but smoothly – and very low engine RPM at cruise. 80 MPH is still well below 2,000 RPM.
The handling, where and how I drive, is excellent. Again, it is a large car, but it is quite responsive - quickly takes a mid-corner set and is stable at the speeds I feel are safe on public roads. Little roll. Good grip. No tire squeal when pushed moderately hard. Steering is very good. Good feedback but well filtered. No problems there. The ride is very good as well, particularly given the handling and the very low profile tires. I find absolutely no harshness – and excellent control under all conditions. Well damped body motions. Braking as well, is just excellent – solid feel and quick, sure stopping power.
The only real drawback here, for me [ besides costing somewhat more than the GTI – though quite a bit less than the BMW I had, or any comparable new BMW I would be interested in ] is the MPG. I am seeing low 20s in my overall driving, so far. The GTI showed high 20s in identical driving. I see high 20s in my commute to work – at 65 to 75 MPH on the Interstate. This is an acceptable trade-off for the torque and acceleration that I really enjoy. With an 18.5 gallon fuel tank, I can still stop for gas only once a week, typically. And the V8 is designed to run best on mid-grade gasoline – a $0.15 per gallon saving there vs. premium!
So – yes, I am very happy with my choice. This is likely the last time will be able to buy a nice, new car. I wanted it to be something ‘special’ – but within a reasonable budget. This is clearly NOT a BMW or an Audi – but the price \ value proposition for me here is just great!
- Ray
This is working out very well, so far!
Great write up, really glad you are enjoying the Charger!
2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD
Similarly, wifey is very much enjoying my punch for the year, her '15 Accord Hybrid Touring......a very different car from your Charger, but despite temporarily low gas prices, we're digging our actual calculated 50 mpg and awesome quality.
The seats are completely different from
previous years.
Seating is a very individual \ personal preference,
of course, but I find them firm but certainly
not hard. The seat bottom is long enough
for good under thigh support And the range of
adjustments I would expect to allow most any
size driver to find a comfortable position.
I actually [ as I always do before signing on
the dotted line ] sat in the driver's seat for over
a half hour at the Dealer - to make as sure as
possible that I would be OK with the seat
and the seating position.
- Ray
I would suggest a test drive - and a test sit...
2024 Audi Q8 e-tron - 2017 911 C4S - 2025 BRZ - 2023 A6 Allroad - 2024 Genesis GV60 - 2019 Cayman
Was able to pair my new cell the other morning quite easily, amazing how a satellite so many miles above the earth can direct and redirect the signals to make this happen so quickly. Took less than 4 minutes and I also got a bit confused so had to restart the process once, very impressive to say the least. Think the sales guy said I could pair 4 different cells in the audio system. Wishing the Fender system had a bit more loudness to it and don't want to spend anymore money on it to get it where I want it at this time. My audio guy figured I'd need to spend a good $1200 with the existing parts which is a bit more than I want to spend right now. Also need to get the windows tinted before the summer heat sets in so figure to do that this year and put off any audio improvements till 2016. This could all change but figure this Golf is a keeper for me so I know I will improve the audio in due time. Still deciding if we're both going to continue the Sirius/XM radio as I'm on the fence while the wife is all in, something I never expected honestly! Will look into a 2 vehicle subscription and see where that leaves us price wise.
The Sandman
2023 Hyundai Kona Limited AWD (wife) / 2025 VW GTI (me) / 2019 Chevrolet Cruze Premier RS (daughter #1) / 2020 Hyundai Accent SE (daughter #2) / 2023 Subaru Impreza Base (son)
'24 Chevy Blazer EV 2LT
They always do.
I'm sure the fact that you don't really care if you renew is in your favor.
2025 Forester Limited, 2024 Subaru Legacy Sport
Mine: 1995 318ti Club Sport-2020 C43-1996 Speed Triple Challenge Cup Replica
Wife's: 2021 Sahara 4xe
Son's: 2018 330i xDrive
I know they will start calling her this month so I need her to prepare to bargain. With tax season in full swing for her and her new part time gig with Intuit, her free time is limited and I need her to basically let me get her the best rate when they call. And since I got mine almost 2 weeks after hers, they will be calling me soon also...just want the best price we can get here.
The Sandman
2023 Hyundai Kona Limited AWD (wife) / 2025 VW GTI (me) / 2019 Chevrolet Cruze Premier RS (daughter #1) / 2020 Hyundai Accent SE (daughter #2) / 2023 Subaru Impreza Base (son)
While not the end all to beat all, I did a quick look up on Kelly Blue Book. In good condition (which is probably the best condition you can hope for with a 15 year old car), they have it pegged at $3,800. Is it worth more than Blue Book? As most of us here will tell you, it's worth whatever someone's willing to pay for it. In your case, it's a 15 year old car, albeit with low mileage.
Don't know what you paid for it, but that's irrelevant as it doesn't affect what it's worth.
I know this isn't news you may want to hear, but I don't know that there's an easier way to proceed.
You might want to push for $4,500. But, usually the insurance companies are pretty staunch in their numbers (unless someone was injured in the crash, which is a whole different discussion). At the end of the day, personally I'd take the $4,200 as it actually sounds pretty generous. Take your losses and move on.
Wish you the best.
I did not understand your post fully but Agree with what @graphicguy said........... either take the loss and move on . Your vehicle will probably show up on Carfax with this accident. Potential buyers / Trade in will affect your sale price now. OR
You could have vehicle fixed by Ins. and keep car..................... Unless Ins. deems it totaled . Then you have to figure retail value of car minus your Ins. deductible.
23 Telluride SX-P X-Line, 23 Camry XSE
Before you make a decision, get some recommendations for a good shop -- not a cheap body shop, but a good one with a reasonable owner -- and ask them what they'll charge to fix the damage if it's on your own private nickel.
I had a shop owner once explain it to me "If it comes from Citizen's insurance, then it's all by a list. Remove this piece of trim, take off that fixture.. then later reinstall. And there's a charge for every little step. If it's coming out of your pocket, then it's .. (thinks, pencils, erases, adds, ...) fifteen hundred bucks. If you go through the insurance, it's $2,438.49. You said your deductible is $1,000. What do you want to do?" So I just paid for it out of pocket and my insurance rates didn't go up.
So you may wind up with $4,900 and have to look for a new car.
Or you may wind up with a well-repaired, salvage-titled Monte Carlo SS + some cash money.
Before you go that route, you have to "buy" the car from the insurance company; the $4,900 is when they total it, then the car is theirs. If you keep the car and they hand you the money, it'll be less, close to $4k I'm guessing. I'm sure they have no interest in the car and will be happy to "sell" it to you cheaply. It does have some value as scrap and for recycling, though.
I understand that none of this is particularly appetizing, but as I see it, these are your only options.
BTW, if the insurance company totals a car, they have to give you enough to buy a similar car, at retail, including taxes. Unforunately, it's going to be uphill convincing anyone that an '00 Monte Carlo is worth more than $5...
Good luck,
-Mathias
With all that "good" news, I wonder if the higher ups will tell the call centers to crack down on the renewal discounts at some point.
Their earnings report will be out Thursday - if you like listening to Sirius, you may want to hope for lousy numbers and a growing churn rate. Otherwise, buy the stock.
That would affect whether I'd want to have it fixed and own it. I had a lady hit me in the rear of a 70 Mustang where the front A-pillars & windshield moved forward slightly from the impact. Done.
2014 Malibu 2LT, 2015 Cruze 2LT,
Keep in mind that what they are offering you must also include sales tax and license fees, so if that's not in their $4900 offer, you can add another 10% to that, more or less---so you may end up with more like $5400.
Their settlement offer is quite fair according to the current Fair Market Value and add-on for low miles and outstanding condition. I don't think you're going to do better unfortunately.
Perhaps that would work for this Monte Carlo as well?
Then there's bondo work, paint, etc. If there's any damage at all to the front steering rack, you'd be well over $5K to fix that.
As I see it, $4,200 damage is a pretty fair estimate.
I don't think you're being ripped off by the insurance company, nor whomever gave you the repair estimate.
If you really like the car that much, buy it from the insurance company for between $500-$600. Take their settlement check. Take it to the nearest trade school and turn them loose on it. You'll probably get away with a repair for parts cost only. Given the age of the car, I'd use "reconditioned" parts. That way, you still have a low mileage car, that's worth something to you.
Not sure what drivetrain came in those cars, but I'm betting it's a version of GM's old 3800 V6. If you're lucky, it's the supercharged version. If not, it's still a good motor that's really durable. I'm betting it has GM's corporate 4 speed automatic trans, too. That should last a long time, too.
All-in-all, you might have a car that, once repaired, will last another 3-4, maybe even 5 years with no major $$$ invested in it.
I'd see a couple more shops with the idea of repairing it not with new parts. Try to see if insurance will avoid totalling it to avoid the salvage title stigma.
It looks like you're able to drive the car. Is it rolling smoothly? It hink I'd want to repair it. Especially if I'm upside down on the loan.
2014 Malibu 2LT, 2015 Cruze 2LT,
Been actually a bit slow at work, sent us home early Friday but worked some of us over on Saturday. Today I left early to see my pain doctor so I have 7 hours left this week to get to my 24 number, so that's basically all day tomorrow. Worst case scenario, they send us home early tomorrow and I have to do maybe 2 to 3 on Wednesday but hope not to as that's another trip down there. Really am liking having Wednesday and Thursdays off to be honest!
The Sandman
2023 Hyundai Kona Limited AWD (wife) / 2025 VW GTI (me) / 2019 Chevrolet Cruze Premier RS (daughter #1) / 2020 Hyundai Accent SE (daughter #2) / 2023 Subaru Impreza Base (son)
2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD
This is her third Forester. The first one she had I put winter tires on it. I told her she could go get the plow drivers to make sure they got to work.
My AWD Fusion is much better in the snow than I thought it would be too, but not as good as the Subaru for sure. I had already researched winter tires and wheels at Tire Rack, but it doesn't appear I will get them. And yes, I know winter tires would be better for these kinds of conditions instead of the all-seasons. I even took it up a very steep hill right after a snowfall to see what would happen. It climbed right up. I'm just careful when there is snow or ice around as far as stopping and cornering. Here in PA we are used to it.
2025 Forester Limited, 2024 Subaru Legacy Sport
2025 Forester Limited, 2024 Subaru Legacy Sport
Glad to hear the Legacy performed so well. That's especially impressive about the parking spot, that's when you know the AWD is worth it.
I'm too lazy to look it up right now....;)
2025 Forester Limited, 2024 Subaru Legacy Sport
Mine: 1995 318ti Club Sport-2020 C43-1996 Speed Triple Challenge Cup Replica
Wife's: 2021 Sahara 4xe
Son's: 2018 330i xDrive
- and the 5-speed manual trans.
The engine required some revs to produce HP - and meaningful
acceleration, but it was a fun car to drive.
http://smg.photobucket.com/user/rayainsw/media/GrandPrix1991GPSTE001crop_zpsd3191f32.jpg.html
- Ray
Now hooked on TQ...
Just kidding, the Jag is handling the snow quite well, better with the snow settings engaged. Plan to take it to Maine or New Hampster in a couple of weeks skiing. Heated steering wheel continues to be the greatest invention in the history of Mankind!
'21 Dark Blue/Black Audi A7 PHEV (mine); '22 White/Beige BMW X3 (hers); '20 Estoril Blue/Oyster BMW M240xi 'Vert (Ours, read: hers in 'vert weather; mine during Nor'easters...)
I have winters on my 07 328i and it makes a huge difference. We went up to the mountains this new year's and the BMw climbed up a steep icy hill with no issues whatsoever while a friend's Avalanche was sliding around in 4WD with his all seasons.
2016 Audi A7 3.0T S Line, 2021 Subaru WRX
Biggest laugh of my day, so far!
Thanks!
- Ray
Fiat electrics of the late 1960s were no better than Lucas,
in my experience...
Glad to see you back posting my friend. I know the advantages of winter tires as well as how well they work. I switched every December & then back every April on my Prelude for the better part of 9 years. I never got stuck once. I leased an AWD 2011 328xi back in March of 2012 and was so confident in its AWD system with all season tires, that I decided I could be lazy and get by with AWD/All Seasons. I'd never even attempt to drive any car (FWD, RWD, or 4WD/AWD) during the cold winter months with snow on the ground. We do get snow in southern New England, but not so much that it justifies me buying a set of winter tires and an AWD vehicle.
2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD
2017 Cadillac ATS Performance Premium 3.6
interesting, we stopped at a Toyota dealer Sunday (they were closed) just to kill some time. I showed her a Corolla on the apron. She actually kind of liked it! Good thing, because if the Volvo craps out, she is getting the cheapest decent car I can find to lease, and it just might be a Corolla. But, we shall see.
2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.
Or, if you're willing to go down a size, the Accent or Rio. Feature rich for not many bucks.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige