Edmunds Members - Cars and Conversations (Archived)

Michaell · September 2018

I've been with State Farm ever since I dropped off my parents' policy after college. I've had a number of claims, as have my step-kids, and I've never had a problem with coverage or payment.

When my step son wrecked his Geo Tracker 5 weeks after his 16th birthday and sent his sister to the hospital in a helicopter, we never saw one bill. From anyone. I suspect that was a $35-50K claim.

Every time I look at alternatives (we have both auto and home through SF), I can't find a less expensive choice.

stickguy · September 2018

Man, I would have dropped you guys ages ago!

driver100 · September 2018

Maybe Nissans are the most stolen because no one bothers to look for them once they are stolen

nyccarguy · September 2018

snakeweasel said:

dino001 said:

$15/month is a lot! It's $180/year.

That's like 2 small lattes at Starbucks.

The $15 or the $180?

Mr_Shiftright · September 2018

iluvmysephia1 said:
I haven't heard the expression " History shows they'll string you up and fry you for dinner instead of helping you", not sure who came to that conclusion.....is that pertaining to cannibals?

driver100 - have you not read this story before?

A man was going down the road from the city of Jerusalem to Jericho. This man was a Jew. As he was walking along, robbers grabbed him. They knocked him down and took his money and his clothes. The robbers beat him up and left him half dead beside the road.

A short time later, a priest came along that road. He saw the man who was badly hurt. What would you have done?— Well, the priest just went by on the opposite side of the road. He didn’t even stop. He didn’t do anything at all to help the man.
Did you catch the point, driver100? The priest didn't do anything to help the downed Jewish man. Now, you guys know me, I'm not going to get all religious on ya. But that old account from thousands of years ago totally describes what's happening now on the earth. Most people would rather spit on you than help you when you're down. For that poor Jewish man, he was already robbed and beaten. I'll bet that priest would gladly take your tithe on Sunday morning, yet he wouldn't stop and help a man beaten and left for dead on the side of the road. There's a huge moral story told by that one Bible account.

You should watch the Good Samaritan videos on YouTube--there are plenty of people who help others when they are helpless. It'll put you in a good mood! Works for me.

I think the "priest" refers to either another Jewish sect. A "Levite" also walked past, and that is a Jewish tribe.

Mr_Shiftright · September 2018

roadburner said:

iluvmysephia1 said:
https://www.msn.com/en-us/autos/news/america’s-most-stolen-new-cars/ss-BBNwvI1?li=BBnb7Kz#image=15

The 12th most stolen new car in America is Nissan's Sentra. The car stolen the most in America? Nissan's Altima - for it's nice mix of style, comfort and fuel economy.
I was stuck in an Altima rental for a couple of days. No thanks.

How unpatriotic. We need to learn to STEAL AMERICAN!

abacomike · September 2018

dino001 said:

I think these wheels are vantastic. It's all Nissan - Nissan - Nissan!
Last week it was FOCUS - FOCUS - FOCUS
LOL. As I recall, before that we had several other installments of The Saga: Impreza, Rio (or was it Spectra?), I think there were several more. By now Mike would have already traded at least three cars . It's got long it the tooth, for sure, especially it seems it may be just like Tesla's buyout (funding is not secured) and the Higher Authority did not give it a green light, either.

Mike would have traded 3 cars by now, for sure - but would have developed apoplectic tics in his left hand - that’s the “wallet retriever hand”!

We should start a “pool’ here - guess which “year” iluv takes delivery of his next car! Winning guess gets two years of paid dues to Edmunds. That should spark some takers - right jmonroe/jmonroe1?

snakeweasel · September 2018

Mr_Shiftright said:

https://www.msn.com/en-us/autos/news/america’s-most-stolen-new-cars/ss-BBNwvI1?li=BBnb7Kz#image=15 The 12th most stolen new car in America is Nissan's Sentra. The car stolen the most in America? Nissan's Altima - for it's nice mix of style, comfort and fuel economy.
I was stuck in an Altima rental for a couple of days. No thanks.
How unpatriotic. We need to learn to STEAL AMERICAN!

Hey that would make a great slogan;

STEAL AMERICAN STEEL

pensfan83 · September 2018

Regarding the Altima it's a solid, if unremarkable car and I'm sure the versions in rental fleets are completely different than ours which is fully loaded. I'm not going to romanticize it by any means but we've had no problems with it through 4 years and I don't hate having to drive it. That being said my wife has grown fond of taking my car on days I work from home so I expect whatever replaces it, SUV or sedan and more likely the former, to be a more engaging drive.

jmonroe1 · September 2018

roadburner said:

iluvmysephia1 said:
https://www.msn.com/en-us/autos/news/america’s-most-stolen-new-cars/ss-BBNwvI1?li=BBnb7Kz#image=15

The 12th most stolen new car in America is Nissan's Sentra. The car stolen the most in America? Nissan's Altima - for it's nice mix of style, comfort and fuel economy.
I was stuck in an Altima rental for a couple of days. No thanks.

It probably wasn't Black.

jmonroe

bwia · September 2018

What's in a name? Ask Lincoln as it is about to launch its new luxury ~~MKX~~, scratch that, 2019 Lincoln Nautilus SUV. A luxury SUV with a real name, not that alpha numeric mumbo jumbo that American marques have copied from the Germans.

The Nautilus is a baby Lincoln Navigator. Luxurious, extravagant, powerful, expensive and with a real name reminiscent of American prestige of years past but only in a better looking turbo package.

graphicguy · September 2018

@iluvmysephia1 OK....you and I are roughly the same age.

Aside from early withdrawal penalties from you pension (if any), have you looked at the financial impact of leaving money in the pension and the interest it receives vs pulling it out to buy/pay down your car debt?

Again, I don’t know what your situation is. I always look at what the opportunity costs are when I buy a car.

Plus, I’m beginning to think leasing might be the way to go, especially with the way our fellow Edmunds friends are looking at the leases.

That said, I don’t know if you can roll negative equity from one car into another if you’re leasing.

When you drove the Sentra, what were the main differences between it and the Soul you now have?

imidazol97 · September 2018

We've had State Farm for many, many decades. Never have had a problem. Roof damaged by hail that wasn't obvious from ground. Roof gypsies kept coming wanting to get on my roof. Told them "No." Called agent. Adjuster came. Photographer, Replaced roof on storage barn to match house (I had done the reroof on storage barn myself 10 years earlier). Paid for some damage to metal louvers on heat pump. Etc..

Wife lost one of 3 center diamonds from ring. Another was chipped (princess cut chips easily along the cleavage lines). Paid claim for that through local, trusted gemologist. Substantial claim.

Only complaint is I'm up to $1000 deductible and I don't like the agent who took over the office from the agent who retired. He's a sleazebag, IMHO. Thinks he's a late night entertainer personality. I don't know what he talked my son and fiancé into as insurance but I had warned my son before he went for the insurance checkup.

Life insurance through State Farm for myself. Policy has cash value which is paid in event of my death along with policy face amount. Agent tried to sell me another prepaid policy using the cash value. Commi$$ion territory. I warned my son that insurance agents are not financial advisors, no matter how they present themselves. They are not fiduciaries.

I can switch agents. So can my son. I'll stay with State Farm.

jmonroe1 · September 2018

abacomike said:

dino001 said:

driver100 said:

I think these wheels are vantastic.
It's all Nissan - Nissan - Nissan!

Last week it was FOCUS - FOCUS - FOCUS
LOL. As I recall, before that we had several other installments of The Saga: Impreza, Rio (or was it Spectra?), I think there were several more. By now Mike would have already traded at least three cars . It's got long it the tooth, for sure, especially it seems it may be just like Tesla's buyout (funding is not secured) and the Higher Authority did not give it a green light, either.

Mike would have traded 3 cars by now, for sure - but would have developed apoplectic tics in his left hand - that’s the “wallet retriever hand”!

We should start a “pool’ here - guess which “year” iluv takes delivery of his next car! Winning guess gets two years of paid dues to Edmunds. That should spark some takers - right jmonroe/jmonroe1?

Even with a double dues reduction, I'm still not interested.

jmonroe

dino001 · September 2018

abacomike said:

Mike would have traded 3 cars by now, for sure - but would have developed apoplectic tics in his left hand - that’s the “wallet retriever hand”!

We should start a “pool’ here - guess which “year” iluv takes delivery of his next car! Winning guess gets two years of paid dues to Edmunds. That should spark some takers - right jmonroe/jmonroe1?

I'll be first - June 2020, after considering 25 more candidates in 10 states.

dino001 · September 2018

imidazol97 said:
We've had State Farm for many, many decades. Never have had a problem. Roof damaged by hail that wasn't obvious from ground. Roof gypsies kept coming wanting to get on my roof. Told them "No." Called agent. Adjuster came. Photographer, Replaced roof on storage barn to match house (I had done the reroof on storage barn myself 10 years earlier). Paid for some damage to metal louvers on heat pump. Etc..

Wife lost one of 3 center diamonds from ring. Another was chipped (princess cut chips easily along the cleavage lines). Paid claim for that through local, trusted gemologist. Substantial claim.

Only complaint is I'm up to $1000 deductible and I don't like the agent who took over the office from the agent who retired. He's a sleazebag, IMHO. Thinks he's a late night entertainer personality. I don't know what he talked my son and fiancé into as insurance but I had warned my son before he went for the insurance checkup.

Life insurance through State Farm for myself. Policy has cash value which is paid in event of my death along with policy face amount. Agent tried to sell me another prepaid policy using the cash value. Commi$$ion territory. I warned my son that insurance agents are not financial advisors, no matter how they present themselves. They are not fiduciaries.

I can switch agents. So can my son. I'll stay with State Farm.

Can't you change an agent?

stickguy · September 2018

GG, depends on the plan, but if the annuity maxes out at age 60 then there is no reason not to start taking the benefit at that point. Won't get higher, so just giving money away. Taking it early is rarely a good idea (at a reduced benefit).

and I think leasing is the best way to make your negative equity disappear (I think Mike basically did this?). Can roll lots of messy stuff into the right lease, and you basically are financing your neg equity at a really low interest rate. You go from upside down to even in 3 years (when the lease ends, and you are back at square one). So leases are great for that, and people that know by the end of 3 years they are definitely getting a new car (and take good care of them and are sure their usage will be stable).

dino001 · September 2018

stickguy said:
GG, depends on the plan, but if the annuity maxes out at age 60 then there is no reason not to start taking the benefit at that point. Won't get higher, so just giving money away. Taking it early is rarely a good idea (at a reduced benefit).

and I think leasing is the best way to make your negative equity disappear (I think Mike basically did this?). Can roll lots of messy stuff into the right lease, and you basically are financing your neg equity at a really low interest rate. You go from upside down to even in 3 years (when the lease ends, and you are back at square one). So leases are great for that, and people that know by the end of 3 years they are definitely getting a new car (and take good care of them and are sure their usage will be stable).

I believe Mike did the opposite - he rolled pretty large positive equity he had on 740i into lowering lease payment on the S-class.

stickguy · September 2018

Could be. Maybe Q buried something into the F150

xwesx · September 2018

iluvmysephia1 said:
That's right, snake, I will drive what I like! Duh.

The price of the base 6-speed Sentra I'm going for is $13,490. My trade will add to that amount, yes. I think I can strike a do-able deal still.

Also, not all car write-ups are written honestly. I don't believe about 80% of those reviews of the Sentra. They're rubbish!

Man, I think I would have to try to sell the Soul private party. Especially if you're upside down, you can probably double your trade value ($3,500-4,000 private sale?), then just pay off the difference out of pocket, which should be small enough at that point to be doable. You'll come out much farther ahead in the end versus trade in and rolling that negative equity into a new loan.

xwesx · September 2018

iluvmysephia1 said:
https://www.msn.com/en-us/autos/news/america’s-most-stolen-new-cars/ss-BBNwvI1?li=BBnb7Kz#image=15

The 12th most stolen new car in America is Nissan's Sentra. The car stolen the most in America? Nissan's Altima - for it's nice mix of style, comfort and fuel economy.

Parts. Lots and lots of parts.

houdini2 · September 2018

iluvmysephia1 said:
What did you think about Traveler's Car Insurance, dino001?

Imid, I have had some dealings with Travelers and they are a great insurance company. I would give them the highest rating.

houdini2 · September 2018

For all of you who remember our old friend "Richard". I wanted you to know that he and his wife are fine. They were in the path of Florence, lost power for several days and had about $10,000. in property damage. He said be sure to say hi to all those who remember him and he sends his warmest regards.

roadburner · September 2018

Thanks for the update. I always enjoyed Richard's posts.

abacomike · September 2018

houdini2 said:

For all of you who remember our old friend "Richard". I wanted you to know that he and his wife are fine. They were in the path of Florence, lost power for several days and had about $10,000. in property damage. He said be sure to say hi to all those who remember him and he sends his warmest regards.

So happy to hear they are safe and well. Relay our hopes and prayers, Houdini. Thanks.

Michaell · September 2018

houdini2 said:
For all of you who remember our old friend "Richard". I wanted you to know that he and his wife are fine. They were in the path of Florence, lost power for several days and had about $10,000. in property damage. He said be sure to say hi to all those who remember him and he sends his warmest regards.

Thanks for the update on Richard. I was worried about them with the storm.

abacomike · September 2018

dino001 said:

GG, depends on the plan, but if the annuity maxes out at age 60 then there is no reason not to start taking the benefit at that point. Won't get higher, so just giving money away. Taking it early is rarely a good idea (at a reduced benefit). and I think leasing is the best way to make your negative equity disappear (I think Mike basically did this?). Can roll lots of messy stuff into the right lease, and you basically are financing your neg equity at a really low interest rate. You go from upside down to even in 3 years (when the lease ends, and you are back at square one). So leases are great for that, and people that know by the end of 3 years they are definitely getting a new car (and take good care of them and are sure their usage will be stable).
I believe Mike did the opposite - he rolled pretty large positive equity he had on 740i into lowering lease payment on the S-class.

Yes, Dino - exactly what I did.

graphicguy · September 2018

stickguy said:
GG, depends on the plan, but if the annuity maxes out at age 60 then there is no reason not to start taking the benefit at that point. Won't get higher, so just giving money away. Taking it early is rarely a good idea (at a reduced benefit).

and I think leasing is the best way to make your negative equity disappear (I think Mike basically did this?). Can roll lots of messy stuff into the right lease, and you basically are financing your neg equity at a really low interest rate. You go from upside down to even in 3 years (when the lease ends, and you are back at square one). So leases are great for that, and people that know by the end of 3 years they are definitely getting a new car (and take good care of them and are sure their usage will be stable).

Thanks @stickguy ...exactly what I’m looking for. I do have some annuities getting ready to max out. My “plan” takes me to 62 when they all max out. With my other investments, I was planning on drawing down at 65. But, I also plan on working until 62, take a few years to use discretionary money to sell assets (like my house) and reinvest into smaller digs.

Seeing what you guys are leasing, and what you’re leasing, and considering I’ll never keep a car 10 years (let alone 5 years), I’m starting to get interested in leasing.

Athough, if there’s a car I would consider keeping for another several years, it would be my current Acura. It’s been a long time since I’ve liked a car this much. Not the sportiest, fastest, etc car I’ve ever owned. But, it sure is satisfying overall....especially for the price.

jmonroe1 · September 2018

houdini2 said:
For all of you who remember our old friend "Richard". I wanted you to know that he and his wife are fine. They were in the path of Florence, lost power for several days and had about $10,000. in property damage. He said be sure to say hi to all those who remember him and he sends his warmest regards.

Sorry to hear about the damage but happy to hear that he and his wife are fine otherwise. The next time you talk to that wimp, tell him to get his @ss in here and post to us face to face. I have some unfinished business I'd like to settle with him and the sooner the better. :@

BTW what ever happened to @houdini1? Maybe he and @jmonroe are in Edmunds Heaven or something like that.

jmonroe

stickguy · September 2018

I too was wondering about Richard when I was seeing Lumberton on the news about flooding. Glad he is doing well.

houdini2 · September 2018

jmonroe1 said:

houdini2 said:
For all of you who remember our old friend "Richard". I wanted you to know that he and his wife are fine. They were in the path of Florence, lost power for several days and had about $10,000. in property damage. He said be sure to say hi to all those who remember him and he sends his warmest regards.
Sorry to hear about the damage but happy to hear that he and his wife are fine otherwise. The next time you talk to that wimp, tell him to get his @ss in here and post to us face to face. I have some unfinished business I'd like to settle with him and the sooner the better. :@

BTW what ever happened to @houdini1? Maybe he and @jmonroe are in Edmunds Heaven or something like that.

jmonroe

Yep, I am sure those two are someplace like that !

nyccarguy · September 2018

@houdini2 - Thanks for the update on Richard and his wife. I’m glad they’ve weathered the storm ok! Please send my best!

PF_Flyer · September 2018

Do I count as having Florence damage too?

We've had something north of 25" of rain since June 21, so I'm pretty sure my chestnuts are going to be BIG this fall. But that makes the branches pretty heavy, and Monday night/Tues morning the storm reached us with a lot of rain and some wind. Nothing HUGE mind you, but enough to snap off about a 4" branch

oldfarmer50 · September 2018

iluvmysephia1 said:
All right, you guys. Maybe I'll just hold on to the Soul and forget about trading in at all. Are you all satisfied now? Just kidding. Hey, aren't you guys appreciating that I'm discussing each and every detail of my car search with you? I thought we were all friends.

BTW - I did not like the show 'Friends' starring Jennifer Aniston and David Schwimmer. I was pretty neutral on it. I thought it was kind of a dopey show that garnered way too much praise.

I'll leave you with this, because the '17 Nissan Sentra SR Turbo 6-speed has entered in to the mix once again.

I for one think you SHOULD keep the Kia. Others are right, that is not a car that dealers covet because of the milage.

In my area 2011 Souls are going for $5k to $7k with 100k miles. Even at the low end you can cover your loan and then some.

oldfarmer50 · September 2018

roadburner said:

iluvmysephia1 said:
https://www.msn.com/en-us/autos/news/america’s-most-stolen-new-cars/ss-BBNwvI1?li=BBnb7Kz#image=15

The 12th most stolen new car in America is Nissan's Sentra. The car stolen the most in America? Nissan's Altima - for it's nice mix of style, comfort and fuel economy.
I was stuck in an Altima rental for a couple of days. No thanks.

Altima is no M2 butfir what it is I really liked it. Can't speak for it's build quality though. My BIL's 2004 had holes in the floor after 11 years and 120 miles.

One of the reasons I don't always listen to the reviewers is because different people desire different things. Sometimes a car just "feels" right even if it took a hit in the press for a poorly placed knob or lack of the latest electronic toy.

I got that feel from the Altima, the Focus and strangely enough, the Soul. Maybe iluv and I have similar tastes to the point that I can dump my wife's car on him.

oldfarmer50 · September 2018

pensfan83 said:
Regarding the Altima it's a solid, if unremarkable car and I'm sure the versions in rental fleets are completely different than ours which is fully loaded. I'm not going to romanticize it by any means but we've had no problems with it through 4 years and I don't hate having to drive it. That being said my wife has grown fond of taking my car on days I work from home so I expect whatever replaces it, SUV or sedan and more likely the former, to be a more engaging drive.

Enterprise owns most trim levels, some pretty high end.

oldfarmer50 · September 2018

houdini2 said:
For all of you who remember our old friend "Richard". I wanted you to know that he and his wife are fine. They were in the path of Florence, lost power for several days and had about $10,000. in property damage. He said be sure to say hi to all those who remember him and he sends his warmest regards.

Glad tohear that. I hope he's recovered from his other troubles as well.

oldfarmer50 · September 2018

PF_Flyer said:
Do I count as having Florence damage too?

We've had something north of 25" of rain since June 21, so I'm pretty sure my chestnuts are going to be BIG this fall. But that makes the branches pretty heavy, and Monday night/Tues morning the storm reached us with a lot of rain and some wind. Nothing HUGE mind you, but enough to snap off about a 4" branch

You shouldn't give jmonroe such an opening by talking about your big Chestnuts.

explorerx4 · September 2018

The Nautilus is a MCE of the MKX.
Aviator will be all new.

driver100 · September 2018

Michaell said:

houdini2 said:
For all of you who remember our old friend "Richard". I wanted you to know that he and his wife are fine. They were in the path of Florence, lost power for several days and had about $10,000. in property damage. He said be sure to say hi to all those who remember him and he sends his warmest regards.
Thanks for the update on Richard. I was worried about them with the storm.

+1 to Richard....- Stirlingdog

driver100 · September 2018

jmonroe1 said:

roadburner said:

iluvmysephia1 said:
https://www.msn.com/en-us/autos/news/america’s-most-stolen-new-cars/ss-BBNwvI1?li=BBnb7Kz#image=15

The 12th most stolen new car in America is Nissan's Sentra. The car stolen the most in America? Nissan's Altima - for it's nice mix of style, comfort and fuel economy.
I was stuck in an Altima rental for a couple of days. No thanks.
It probably wasn't Black.

jmonroe

Jmonroe thought a black Altima was a good pick-up cars....seems it was a chick magnet.
I don't know if jmonroe1 would do as well...being a second banana.

bwia · September 2018

houdini2 said:

For all of you who remember our old friend "Richard". I wanted you to know that he and his wife are fine. They were in the path of Florence, lost power for several days and had about $10,000. in property damage. He said be sure to say hi to all those who remember him and he sends his warmest regards.

Richard, when it rains it pours. Stay dry my friend and stay safe.

driver100 · September 2018

Mr_Shiftright said:

iluvmysephia1 said:
I haven't heard the expression " History shows they'll string you up and fry you for dinner instead of helping you", not sure who came to that conclusion.....is that pertaining to cannibals?

driver100 - have you not read this story before?

A man was going down the road from the city of Jerusalem to Jericho. This man was a Jew. As he was walking along, robbers grabbed him. They knocked him down and took his money and his clothes. The robbers beat him up and left him half dead beside the road.

A short time later, a priest came along that road. He saw the man who was badly hurt. What would you have done?— Well, the priest just went by on the opposite side of the road. He didn’t even stop. He didn’t do anything at all to help the man.
Did you catch the point, driver100? The priest didn't do anything to help the downed Jewish man. Now, you guys know me, I'm not going to get all religious on ya. But that old account from thousands of years ago totally describes what's happening now on the earth. Most people would rather spit on you than help you when you're down. For that poor Jewish man, he was already robbed and beaten. I'll bet that priest would gladly take your tithe on Sunday morning, yet he wouldn't stop and help a man beaten and left for dead on the side of the road. There's a huge moral story told by that one Bible account.
You should watch the Good Samaritan videos on YouTube--there are plenty of people who help others when they are helpless. It'll put you in a good mood! Works for me.

I think the "priest" refers to either another Jewish sect. A "Levite" also walked past, and that is a Jewish tribe.

I looked up the story, since I don't know much about the bible. Actually, a priest didn't help, a Levite didn't help, but, a third guy did help and he is a good neighbor. So, there are some good people out there too!

dino001 · September 2018

driver100 said:

I looked up the story, since I don't know much about the bible. Actually, a priest didn't help, a Levite didn't help, but, a third guy did help and he is a good neighbor. So, there are some good people out there too!

The point is the those three were presented in the descending order of their social standing in those times and Samaritans (third guy) were generally despised by Jews as low class intruder barbarians (sounds familiar?), so the point of the parable was even stronger, especially in an ancient society, where social standing was everything.

bwia · September 2018

https://forums.edmunds.com/post/quote/18576/Comment_5254542

explorerx4 · September 2018

If the Good Samaritan was a parable told by Jesus, Christian religions didn't exist yet.

ab348 · September 2018

Maybe it’s just me, but I’m not convinced that Nautilus is a great name for a vehicle.

abacomike · September 2018

ab348 said:

Maybe it’s just me, but I’m not convinced that Nautilus is a great name for a vehicle.

It was good enough for Jules Verne and even the US Navy - submarines are vehicles, aren’t they?

Mr_Shiftright · September 2018

ab348 said:
Maybe it’s just me, but I’m not convinced that Nautilus is a great name for a vehicle.

You thinkin' what I was thinkin? Sinking into the depths?

explorerx4 · September 2018

The Nautilus is a highly recognizable name.
Jules Verne, first nuclear submarine and first to travel under the North Pole.
It also reminds me of this.

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