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LibraryBiggles t1_jea14h0 wrote

I had my rates go up because my car is "too old" (2008 Toyota Camry) and they might not be able to get parts for it in the event of an accident. But if I get a new(er) car, my rates will also go up. 🙃

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HomicidalHushPuppy t1_jeac3bq wrote

That makes no sense...can't get parts, so the car gets totaled, but it's not really worth much anyway. Wtf. Such a scam.

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taplines t1_jeanosu wrote

You can always get parts, maybe not original manufacturer, but from generic companies. And even if they can’t come through, junk yards will have used parts.

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avo_cado t1_jeay2ez wrote

In any case, that feels like it’s not the insurance companies problem

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Slippery_Panda14 t1_jebjoz6 wrote

Honestly depends on what you get. I went from 2010 ford fusion( paid off and on limited tort), to a 2020 Subaru forester (full coverage and lowered my deductibles) and saved $10-15 a month. We traded that in for a 2022 forester wilderness and it went down another $10 a month.

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happyxpenguin t1_jebt1ze wrote

Yeah. Went from a 2009 Vibe to a 2020 Edge and my cost actually went down by like $30

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PersephoneDown t1_jebmoh6 wrote

Lol, I heard the same thing from my insurance company (Allstate). My 2008 Honda Civic had its rates go up because "it's old and more likely to have mechanical issues." And yet when I purchased a brand new car, the rates went up again because "it's new and we don't know how reliable it is."

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CltAltAcctDel t1_jebnptl wrote

Why do you have collision coverage? You should only be carrying liability coverage for a vehicle that old. There’s a significant difference in premiums

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jirenlagen t1_jedy42j wrote

Because not everyone can afford to replace an older vehicle and get another monthly payment

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CltAltAcctDel t1_jee1tk6 wrote

The difference in premiums is significant and replacing a 2008 vehicle with another 2008 vehicle isn’t going to result in a $500/month car payment. The payout from the insurance company for an old car minus the deductible isn’t going to be as much money as you think. They will depreciate the fuck out of that car and you won’t have too much to show for your increased premium.

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jirenlagen t1_jee48gt wrote

You wouldn’t replace it with that. It would be a better one.

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CltAltAcctDel t1_jeep0lz wrote

You don’t have to buy a better one. There’s no requirement to get something newer or better. It just needs to be reliable - Honda or Toyota.

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jirenlagen t1_jef7u31 wrote

😂 it needs to be good enough to get from A to be but okay whatever

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CltAltAcctDel t1_jefqqra wrote

>It just needs to be reliable - Honda or Toyota.

It’s almost as if you didn’t read this part. L

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majerpwnage t1_jec023g wrote

Interesting, I have an 08 nissan altima, and my rate actually went down recently

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