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  #1  
Old 08-17-2005, 07:23 PM
svxwannabee
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Just curious

I was wondering how many people had full coverage on their SVXi. I was thinking it would probably be worth the extra cost in case of vandalism, etc. For those that do, is it worth it? Until now I've pretty much driven older Subaru klunkers. Any advice would be appreciated. Thanks.
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  #2  
Old 08-17-2005, 07:25 PM
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immortal_suby immortal_suby is offline
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Full coverage on both of mine. I guess it's worth it for peace of mind. Alot of uninsured/unregistered motorists in this state also so I want to be covered no matter what.
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  #3  
Old 08-17-2005, 10:18 PM
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ensteele ensteele is offline
Betcha can't buy just one!
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Mine all have full coverage. It doesn't cost that much more on my cars.
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[COLOR=”silver”]1992 Tri Color L[/COLOR] ~45K (06/91) #2430
1992 Dark Teal LS-L ~184K (05/91) #0739
1992 Claret LS-L ~196K (05/91) #0831
1992 Pearl LS-L ~103K (06/91) #1680
1992 Pearl LS-L ~151K (06/91) #2229
1992 Dark Teal LS ~150K (07/91) #3098 (parts car)
1992 White LS-L ~139K (08/92) #6913
1993 25th AE ~98K (02/93) #164
1993 25th AE ~58K (02/93) #176
1993 25th AE ~107K (02/93) #215
1993 25th AE ~162K (02/93) #223
1994 Laguna Blue Pearl LSi ~124K (1/94) #2408
1994 Laguna Blue Pearl LSi ~144K (10/93) #1484
1994 Laguna Blue Pearl LSi ~68K (10/93) #1525
1994 Barcelona Red LSi ~46K (02/94) #2624
1994 Pearl LSi ~41K (12/93) #1961
1995 Bordeaux Pearl LSi ~70K (02/95) #855
1996 Polo Green LSi ~95K (03/96) #872
1997 Bordeaux Pearl LSi ~55K (08/96) #097
2003 Brilliant Red LS1 Convertible ~29K (04/03) #8951
1999 Magnetic Red LS1 Coupe ~33K (04/99) #6420

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  #4  
Old 08-17-2005, 10:21 PM
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No full coverages....I'm not located in a big, big city and I always parked at safe places as I think. I figured it's better to save some if there's any maintenance stuff needed. If I'm in a big city, I might think about it...
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  #5  
Old 08-17-2005, 10:23 PM
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SSSVX SSSVX is offline
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Quote:
Originally Posted by ensteele
Mine all have full coverage. It doesn't cost that much more on my cars.
Earl, you have full coverages on 10 of them???

I thought you said you only have 2 or 3 insured at one time and roll them over....
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  #6  
Old 08-17-2005, 10:37 PM
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ensteele ensteele is offline
Betcha can't buy just one!
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I have full coverage on all 10 of them, but then put all but 2 or 3 into a storage mode. That way it is only $5.00 or so per month, they are covered, but not driven. All I have to do is call into the agency and change the status when I want to. They are all the same price to insure, so I can add one, and store one and it doesn't change the cost at all.
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[COLOR=”silver”]1992 Tri Color L[/COLOR] ~45K (06/91) #2430
1992 Dark Teal LS-L ~184K (05/91) #0739
1992 Claret LS-L ~196K (05/91) #0831
1992 Pearl LS-L ~103K (06/91) #1680
1992 Pearl LS-L ~151K (06/91) #2229
1992 Dark Teal LS ~150K (07/91) #3098 (parts car)
1992 White LS-L ~139K (08/92) #6913
1993 25th AE ~98K (02/93) #164
1993 25th AE ~58K (02/93) #176
1993 25th AE ~107K (02/93) #215
1993 25th AE ~162K (02/93) #223
1994 Laguna Blue Pearl LSi ~124K (1/94) #2408
1994 Laguna Blue Pearl LSi ~144K (10/93) #1484
1994 Laguna Blue Pearl LSi ~68K (10/93) #1525
1994 Barcelona Red LSi ~46K (02/94) #2624
1994 Pearl LSi ~41K (12/93) #1961
1995 Bordeaux Pearl LSi ~70K (02/95) #855
1996 Polo Green LSi ~95K (03/96) #872
1997 Bordeaux Pearl LSi ~55K (08/96) #097
2003 Brilliant Red LS1 Convertible ~29K (04/03) #8951
1999 Magnetic Red LS1 Coupe ~33K (04/99) #6420

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  #7  
Old 08-18-2005, 02:47 AM
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UberRoo UberRoo is offline
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I've got pretty good personal injury and uninsured motorist protection, but aside from the mandatory liability insurance, that's all. On average, insurance doesn't pay off in the long run. The value of insurance is a matter of probability, and the probability is favorable compared to the cost of comprehensive insurance. Since the odds are in my favor I'm more than willing to take my chances to save a fairly considerable chunk of change. I only insure things I can't afford to lose, such as my health.

One way to look at comprehensive insurance is as though it was a payment plan. It's like non-refundable, prepaid auto body repair. The insurance company estimates how much you're going to cost them in the long run, and they charge you at a monthly rate that should cover that - plus a little extra to make it profitable. The only customers that actually benefit substantially from comprehensive insurance are the ones who use it frequently. Naturally, these customers tend to be charged progressively higher rates until eventually the insurance companies level the field again. The extra charge to make their business profitable is part of the expense that is essentially wasted because you don't ever recoup that, but there's another expense most people don't consider. Most people, when presented with the cost to repair damage to their vehicle, usually elect to forgo the repairs when the money must come directly out of their pocket. Sometimes this is because they can't afford it, but often it's because they feel that it's simply not worth it. When the money comes directly from the insurance company however, they have no problem spending it - they've already paid for it so they might as well spend it. The truth is that indirectly the money still comes out of their own pocket - it just passes though a middleman first, who takes a little (or a lot) off the top before passing it along. Now, if you've already paid into the insurance company, you might as well get your money back out, but it's even smarter to not pay into the pool in the first place, and instead to pay for the repairs directly when they're needed. This also allows you the opportunity to decide at the time repairs are needed that the repairs are not worth the expense, instead of having to commit to them before you even know what they are.

I fully insured my SVX with very generous coverages and low deductibles for six months when I first purchased it. I figured that I was going to do something stupid, the probability was greatly biased towards something bad happening sooner rather than later. Statistics show that after one year, the odds of oops are cut approximately in half. The 50% figure is actually a very broadly applicable statistic, as a one-year "statistical half-life" applies to quite a few things including vehicle damage car accidents, injury accidents, fatality accidents, motorcycle accidents - even gun accidents, airplane accidents, workplace accidents, and so on. The odds of getting into an accident are highest on the drive home from the dealer. If you've made it past the first few months, you're almost on easy street. After my six months was up, I didn't renew the comprehensive. My insurance company didn't like that very much because their rates are figured based on the term of a normal car loan which is much longer. Had I needed the coverage within the first six months I would have come out way ahead by several times. Had I needed the coverage during a three year time span, I would have paid more than twice what the maximum pay out would have been.

As for covering against other people, that's a different story. The bulk of the cost for comprehensive insurance covers you. The biggest expense for insurance companies is their own customers.
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  #8  
Old 08-18-2005, 03:58 AM
94svxred 94svxred is offline
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I got State Farm Ins on everything cars house etc. Been with them so long I get discounted rates oneverything . Yes the SVX is fully covered including in my garage . Being of corse an older car my rate on it is dirt cheap
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  #9  
Old 08-18-2005, 05:18 AM
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mikecg mikecg is offline
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I have full coverage on the 94L. cost= $375 for 6 months (I still owe 3K on the car)
The 92LS-L has Liability only and cost = $425

You figure out why I pay less for full coverage I sure cant.
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  #10  
Old 08-18-2005, 07:50 AM
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1300 for 6 months full or 115 per month for liability I've got libility only
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  #11  
Old 08-18-2005, 08:19 AM
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ssnsltd ssnsltd is offline
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full on both, with uninsured underinsured protection.
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  #12  
Old 08-18-2005, 08:46 AM
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I've got full as well

It was $200 extra for the full vs liability only, so I figured it was worth it
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  #13  
Old 08-18-2005, 09:33 AM
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Full coverage on the SVX, enough to keep me out of jail on the 200sx.
The total on these together is $265 less every 6 months than my one 2000 Civic was. Go figure.
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  #14  
Old 08-18-2005, 05:30 PM
svxwannabee
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Quote:
The odds of getting into an accident are highest on the drive home from the dealer. If you've made it past the first few months, you're almost on easy street
UberRoo: I've heard that before and seeing as how I'm picking up the car tomorrow I think I'll have it fully covered for the first six months, just in case. Keep in on through the winter. People sure do drive stupid in the snow.

Thanks for your input everyone. It is much appreciated.

P.S. If someone can PM me this secret compartment location that I keep hearing about that would be great as well.
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  #15  
Old 08-18-2005, 05:41 PM
calmone
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full coverage, and it was well worth the windshield coverage when it broke, over a grand to repair w/o insurance.
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