SageBrush
Posts: 1221
Joined: Sun Mar 06, 2011 2:28 am
Delivery Date: 13 Feb 2017
Location: Colorado

Re: Rationalizing the purchase of a used Leaf

Thu Aug 24, 2017 1:25 pm

DuncanCunningham wrote:
SageBrush wrote:Car insurance: $15 a month


I thought I was doing well on $47 per month. How did you do that? Are you combining it with another policy? if so, then it makes sense that it wouldn't be much more per month.

I don't think the other cars matter much. The real savings occur from having a clean record and not buying collision or comprehensive. Why bother, for a car only worth a couple thousand dollars to the insurance company ?
2013 Model 'S' with QC & rear-view camera
Bought off-lease Jan 2017 from N. California with 63.9 Ahr after 22k miles
Car is now enjoying an easy life in Colorado

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DuncanCunningham
Forum Supporter
Posts: 437
Joined: Thu Mar 26, 2015 10:02 am
Delivery Date: 15 Apr 2015
Location: Bountiful, UT

Re: Rationalizing the purchase of a used Leaf

Thu Aug 24, 2017 2:56 pm

Good point. If the car is totaled, what would they pay you? So if the car is worth less than $3500 I might drop the collision and comprehensive. You need something from your insurance if you are at fault and reck your car.

I have a clean record, with no incidents or tickets, though my wife does.

I've just never been able to insurance for less than $40 per car. Even our old junker 1979 Toyota pickup with only the minimum on it was about $40 per month on the policy.

I'd be interested to know who you insure with.
Statler: Wake up you old fool. You slept through the show.
Waldorf: Who's a fool? You watched it.

2015 Leaf S (leased until May 2018, Bought out in Jan 2017)
2012 Leaf SL (purchased May 2015)

SageBrush
Posts: 1221
Joined: Sun Mar 06, 2011 2:28 am
Delivery Date: 13 Feb 2017
Location: Colorado

Re: Rationalizing the purchase of a used Leaf

Thu Aug 24, 2017 3:34 pm

DuncanCunningham wrote:I'd be interested to know who you insure with.

Amica.com

An outstanding company. They are picky though, so do not be too surprised if they refuse you as a customer because of your wife's record. Their low rates are in part related to insuring a low risk group.
2013 Model 'S' with QC & rear-view camera
Bought off-lease Jan 2017 from N. California with 63.9 Ahr after 22k miles
Car is now enjoying an easy life in Colorado

LeftieBiker
Posts: 6946
Joined: Wed May 22, 2013 3:17 am
Delivery Date: 31 May 2013
Location: Upstate New York, US

Re: Rationalizing the purchase of a used Leaf

Thu Aug 24, 2017 6:01 pm

They also won't give multiple vehicle discounts to unmarried partners who live together.
2013 "Brilliant Silver" SV with Premium Package and no QC, and 2009 Vectrix VX-1 with 18 Leaf cells.

The most offensive, tasteless phrase in use here is "Pulled the trigger." I no longer respond to posts that use it.

WhyNotEV
Posts: 12
Joined: Tue Aug 22, 2017 12:06 pm
Delivery Date: 22 Aug 2017

Re: Rationalizing the purchase of a used Leaf

Thu Aug 24, 2017 6:53 pm

SageBrush wrote:This is the money calc I did for my purchase of a used LEAF earlier this year.


Calc like yours would have me running to get that Leaf! Unfortunately, mine would be about 3x higher per month for 5 years of ownership. So, it does take some rationalization!

WhyNotEV
Posts: 12
Joined: Tue Aug 22, 2017 12:06 pm
Delivery Date: 22 Aug 2017

Re: Rationalizing the purchase of a used Leaf

Thu Aug 24, 2017 6:57 pm

hackdroot wrote:I replaced a commute vehicle that was having issues with oil leaks and a failing transmission, so I did not need to rationalize for long.

Right, if something major happened to my Accord today, it would be a lot easier to rationalize!

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