Holy cow! What a horrible twist to your story! I'm so sorry for you. I can't even believe how much you're already paying for insurance! INSANE! I'd be riding a freaking bicycle everywhere if my insurance were anywhere near that!

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_______________________DogDomain_______________________

yea, i got a good payin job, and its not right around the corner, so i need a vehicle lol.

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2004 Liberty Renegade
Silver, loaded
Full skid plates
255/65/16 yokohama Geolander A/T-S
Tow hooks
Flowmaster super 44

Sorry to hear about your misfortune.............................

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Jeep, its a way of life.

06 KJ Limited
10 JK Unlimited Rubicon
14 JK Unlimited Rubicon
14 KL Cherokee Trail Hawk

At least you are ok, It could have been worse. especially getting hit by a 250

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One Life - Live It

Well, at least there's an upside to your situation. Bad news come in pairs right? So, you're clear now, right? Knock on wood.

BTW, isn't $3000 a little high for insurance?

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DIRTY KJ :: flickr photostream
"Primitive life is very common and intelligent life is fairly rare ... some would say it has yet to occur on Earth" --- Stephen Hawking

not here in BC. We dont have any private insurance here, its all government owned, and i have only been driving for 2 years.

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2004 Liberty Renegade
Silver, loaded
Full skid plates
255/65/16 yokohama Geolander A/T-S
Tow hooks
Flowmaster super 44

First I am glad you are ok after the accident. That is the important thing.

Now, get that car fixed asap so you can trade it in. Go back to that dealer and tell them what happened. Maybe they will still make a deal. You don't know unless you ask. Dealers have body shops. Little cars are in demand right now and jeeps not so much. so this is the time to buy a kj back.

So, BTT a little. My kj is paid for. I like it . I will not sell it. It will have to be pried from my cold dead hands. I also have a cutlass I drive that gets 28-30 mpg easy but everytime I drive it, I wish I was driving the kj. If push came to shove and I needed to go back to one vehicle, which could happen, then the cutlass will go. The kj stays no matter what.

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05 BLACK KJ - 42RLE & NP242
Skids, Hooks, Bent Rock Rail, Lifted, A/T's, etc.
NY and PA and Florida ONF Special Custom Organic Trail Rash

I agree, The dealership may make a deal, Little cars are in demand.

_________________
One Life - Live It

Oh...gotcha. Makes more sense now.

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_______________________DogDomain_______________________

well i would have better luck at a dealership then i would selling privately, most people really dont like cars that have been in an accident lol

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2004 Liberty Renegade
Silver, loaded
Full skid plates
255/65/16 yokohama Geolander A/T-S
Tow hooks
Flowmaster super 44

Just tell them a small bug hit the bumper and it caused all that.

An F250. You're lucky it didn't run you over!

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02 Liberty Limited
Silver Outside & Taupe Inside
Heated Seats, Sunroof & Infinity speakers
USA Spec I-Pod adaptor, Mopar Sub, Garmin GPS
Tow Package, Select-Trac
Rock Rails, Tow Hooks

That argument may hold up if you had both vehicles insured at the same time. I don't. So to answer your question if we compare the two vehicles I have, the Festiva is paid for, the jeep still has $10K + 5.99% interest/month owing.

Jeep cost me $110/month to insure - $1320/year
I'm a student, but I drive 5965 miles over three months (summer work) at $0.35/mile (gas is $5.25/gallon right now and the jeep gets 15mpg due to mods) = $2087.75 in gas

Festiva cost me $59/month to insure - $708/year
5965 miles over three months at $.10/mile (gas is $5.25/gallon right now and I get an average of 53mpg hwy. This is NOT the highest I've attained in this car either. If I really hypermiled it, the costs would be cheaper yet ) = $596.50

Work pays $.64/mile for expenses ($3817.60 total). If I drive the Jeep (and don't factor in the wear and tear on the $900 M/T's, or the extra $51/month paid for insurance) I would receive an additional 1729.85 over that three month period. When I drive my Festiva (and don't factor in the $200 total for tires, or the extra $51/month saved on insureance) I receive an additional $3221.10 on top of my regular pay. That's an additional months pay over a three month period. If you think about it that an additional 8 months of car payments at a rate over the minimum payment allowed.

It's not that I don't like the jeep, obviously I do because I bought one, but because I sacrifice a little bit of comfort now, I'll be able to pay off the jeep faster; save more money on interest; have two vehicles to use as future collateral for loans; and have more spending money in the mean time. It may not make sense for some people to have two vehicles, but it does for me. One for highway and work, one for recreation. As always, YMMV

EDIT: corrected the cost per mile calculation.

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The beauty of a 4x4 is that you can get stuck at inaccessible places
=================================

2003 Liberty Sport
Blue w/ Gray trim
3.7L 5 Speed Manual
235/70/16 BFG MT's
65w Phillips fog light mod
AmsOil fluids end to end
SkidRow Front armor
Standard Frankenlift I & Al's U A-arms

Wow, just read this thread...what a twist. Sorry to hear bad news, glad no one was hurt, but it sounds like you'll have another KJ in a little while.

I traded in my F150 gas guzzler 5.4 V8 for my KJ...I took a beating on the trade in, but I used that truck up pretty good, and I bought it used for a decent price. Used KJ's are going for about $13k to $17k around here...mostly rental returns in good shape with less than 20k on the odo.

For me, it was just a matter of not making the Saudi King richer. I just can't bend over for that a-hole.

I've thought about another truck, since I miss the ability to haul stuff, but I'm back to trailering again for now. If I can find a reasonable 4 banger Toyota 4by to replace the KJ, I might. But the little tin can is growing on me...

Like tommud, I've never bought a car for future trade-in or resale...I usually buy used to keep insurance low, and plan on driving the wheels off the thing. The gas prices forced me to adjust my plan a little.

Good news is that the price of oil is the lowest in 5 months....hopefully to decline further.

~M

DOH! I think most of that will just buff on out though...add some duck tape....some black paint....yeah....your screwed. Sorry to hear about it and glad everyone is ok.

Now for the insurance...perhaps you posted and I am just blind atm, is it a % of the cars value? Insurance here in Nevada is not bad it is the registering that will get you. That is a % of what your car is worth. WHen I bought my libby it cost me around $500 to register the thing. Big dif from my $25 fee in Wisconsin, lol. FYI, that was around 10 years ago, it might have gone up since then.

_________________
My Rig:
2008 Jeep Wrangler JKU
OME HD lift
35" tires (thus far)
plus a ton of other things. J.E.E.P.

For Sale Cheap one Ford F250 with minor fender nick on rear bumper as somebody just hit me this week in a small econocar ... nick on bumper will buff out though Just kidding

Sorry to hear about the misfortune and glad you are safe. Maybe Insurance Co will just pay out on the Cobalt if it is a write off and u can get another KJ... if the damage is not that high, you may want to pay for it out of pocket so you don't get crazy premiums for the next 5 yrs... get ur estimates done

Talk to the F250 owner too and settle if it is not too big $$$

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[_|_, [""""""]
l--- L---ollllllo-
( )_)-( )_)-o-)_) Liberator

....o_o_o_o
../| ,[_____],
|¯¯¯L--↨|||||||↨
()_)¯ ()_) ¯¯¯ )_)

(\__/)
(='.'=) <]{
(")_(")

( . )( . )

Hare on my Chest

I was thinking about a p/u once, but got a utility trailer instead. I have hauled an awful lot of stuff with it. It is also so much bigger than the bed of any p/u, lower to the ground for easier loading, and the bed tilts, so sometimes it comes in real handy that way. The kj hauls it just fine and the cost and maintenance is a whole lot cheaper than buying even a beater p/u.

_________________
05 BLACK KJ - 42RLE & NP242
Skids, Hooks, Bent Rock Rail, Lifted, A/T's, etc.
NY and PA and Florida ONF Special Custom Organic Trail Rash

..not to hijack the thread....but trailering also means gotta stay in the right lanes, max speed limit 55, and gotta pay an additional $2 per axle in bridge toll...in the socialist replublic of Kalifornia

not sure how they determine the cost of how much to insure it. all iknow is every year you drive without an accident, you get a 5% discount on the insurance, i was at 10% but im going down to a -40% discount, so they took they added on 50% to the cost of my insurance.

_________________
2004 Liberty Renegade
Silver, loaded
Full skid plates
255/65/16 yokohama Geolander A/T-S
Tow hooks
Flowmaster super 44

Yea, back in the day they used to give you a 10% discount every year until you hit 40%. Then they came out with road star where you can get a total of 43% discount plus some savings on Roadside assistance etc. Although they still have the roadstar, they decreased the deduction amount to 5% a year so it takes you twice the amount of time to get to 40% discount. Sucks to be young right now. 10 yrs safe driving gets you additional savings. Too bad for you young whipper-snappers!

Actually I'm not really that much older (33), but you sure do get screwed for just starting out driving. Hopefully things work out for you on the repair and the trade.

_________________
The beauty of a 4x4 is that you can get stuck at inaccessible places
=================================

2003 Liberty Sport
Blue w/ Gray trim
3.7L 5 Speed Manual
235/70/16 BFG MT's
65w Phillips fog light mod
AmsOil fluids end to end
SkidRow Front armor
Standard Frankenlift I & Al's U A-arms

Dang.

I would've been in heaven if I was only paying $3,000 a year for insurance when I was 19.

Stupid 3 cars and ridiculously spotty driving record (oddly enough all my tickets were in cars with less than 100 hp...'cept for the one I got in my mom's Probe GT...but that's a whole 'nuther story )