 Employee assitance program EAP? |
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Additional Details
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Additional Details
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T-Man | Should I keep full coverage insurance on an 11 year old truck? |
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jannie
 |
no , not everything . the premiums cost more than the truck is worth. |
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n0127315
 |
Here is what I told the people who called and asked that question. Go to kellybluebook.com and get the blue book value of your car (better than nada b/c you can take more into account and get a more realistic value). Take this amount and subtract the deductible on your policy. If the remaining amount is more than you can reasonably come up with in a short period of time (in case the vehicle was damaged) to replace / repair the car, then keep the coverage. You also need to take into account the premium you pay for comprehensive (sometimes called "other than collision") and collision coverages. Accidents and violations (if you have any) will effect these premiums more than others, so consider what your paying out versus what you will reasonably get back.
For example: You have a 1995 truck that books for 7,000 (be sure to be honest with the vehicles condition and mileage to get a realistic picture) and you carry a 500 deductible. If you totalled your car they would cut you a check for 6,500. You pay $300 a year for these coverages b/c you have no tickets - after you take away the deductible and premiums you still net 6,200 to buy a new vehicle - unless you can get that much cash faster than you would need another car, you keep the coverages.
Now, say the truck only books for 1,500 and you have a $500 deductible. You have had a ticket and an at fault accident in the last 3 years, so your premiums for comp/coll are $800 a yr. When all is said and done you only have $200 "left" to get yourself a new car.
The age of a vehicle isn't what decides when to drop full coverage. |
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Dax
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Keep liability and dump the comprehensive and collision. Calculate the amount you saved and stash that in a bank account. This way when you have an accident, or rather if...you'll have enough money to buy a replacement vehicle or repair your damages.
A car 10yrs old normally won't have enough value to justify the extra premium. |
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Winnie
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if u keeping yeah if ur not no |
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wellbeing
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At least carry liability so that if you accidentally hit someone else you are able to take responsibility and pay for them to get repairs. |
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younggb77
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if you can afford to i would. It just ensures that if something does go wrong you will get your car fixed. |
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mimismom
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the rule of thumb in insurance is that once a vehicle is over 10 years old it has no insurable value left on it, with that said it does also depend on the book value of the vehicle that is taken into consideration as well. Your best bet is to talk to your insurance agent and see what they value the vehicle at at this point. |
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Fennylaise
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A 95? Unless it's mint or if you plan on keeping it, no. Just basic liability or whatever the bare minimum is according to the law wherever you are. If you've got any expensive extras (stereo, etc.) cover those too, but otherwise, any post 1980 vehicles (with the exception of most sport cars) aren't worth it IMHO. |
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Miss Tee
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I hate to begin by answering a question with a question, but I would have to ask what is the truck's 'blue book value' by comparison, its 'value' to you? What have you invested into its condition and/or is it a "classic" vehicle? One would be very wise to protect his investment if in fact he had put a lot into it. Right. Hope this helps T-Man. My best advice would be to do your research and if in fact you deem this truck worthy of full coverage, do some more research to find the best quote possible. |
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