Thoughts on insurance coverage - Saab 9-5 Bulletin Board - Saabnet.com
NG900 & OG93 |
Vintage Models |
Clubs & SOC |
Other Cars |
Books Movies & Music |
Member Photo Galleries |
Member Directory |
*Buddy Registry |
*Mileage Registry |
What's New |
Photo of the Month |
|95 Bulletin Board|
I'm trying to decide whether to keep insuring my 9-5s for collision and comprehensive. Actually, I'm currently only insuring one of the 2, and mostly feel like I should be consistent! Of course I still maintain the state-mandated liability insurance. Glass is not covered no matter what I do.
One car is a 2000 9-5 linear manual wagon w/165k miles, the other a 2003 9-5 linear manual sedan w/150k. Mechanically they are impeccable, but both are afflicted with dogleg rust and to an adjuster might look a little ragtag. My deductible is $500, and each car is possibly only worth....what? Less than $1500? I'm not sure what USAA would value them at and wonder if they might be totaled (in the insurance world) if I so much as crack a headlight assembly . It was amusing to go online and realize there's not even enough data for online sites to value them. I wonder what USAA would come up with.
As a side note, I'm a little gun shy to remove it completely because I did that once for an aging Volvo wagon we owned, thinking that over a few year's time we would have a positive ROI on that decision, only to total it the next week.
Collision and comprehensive probably costs me $300 year. Another side note is that our teenage son is about to get his license, which not only increases our premium but also the possibility of a scrape with the car.
What does everyone else do?
Posts in this Thread:
- Thoughts on insurance coverage, Mike Keller , Tue, 7 Aug 2018 14:46:58 <-- Viewing This Message
- Re: Liability only, amicusterrae , Thu, 9 Aug 2018 12:05:55
- Re: Thoughts on insurance coverage, Snowmobile , Wed, 8 Aug 2018 10:04:00
- Went bare bones about a year ago..., GFW3pedals , Wed, 8 Aug 2018 08:36:52
- Re: Thoughts on insurance coverage, Tom G , Tue, 7 Aug 2018 16:16:44
Post a Followup
No Site Registration is Required to Post - Site Membership is optional (Member Features List), but helps to keep the site online
for all Saabers. If the site helps you, please consider helping the site by becoming a member.
This is a moderated bulletin board - Posting is a privilege, not a right.
Unsolicited commercial postings are not allowed (no spam). Please, no For Sale or Wanted postings, SERIOUSLY.
Classifieds are to be listed in The Saab Network Classifieds pages.
This is a problem solving forum for over 250,000 Saab owners, so expect to see
problems discussed here even though our cars are generally very reliable. This is not an anything goes
type of forum. Saabnet.com has been a moderated forum since 1988. For usage guidelines, see the
Saabnet.com Mission and Purpose Page. Please remember that you are
not anonymous. Site Contact | Site Donations | Other Sites by SP -
Your address is: 126.96.36.199 - Using CCBot/2.0 (https://commoncrawl.org/faq/) - Logged.
Site Members do not see red text instructions, bottom of the page anchor ads, or box ads.
Click here to see all
the Site Membership Benefits!