Charles50

I'm 62 retired and paid cash. I bought a new 10 SH AWD I bought it in 2010. I had a BMW 530i before the TL. I have had to problems with it at all except the back seat headrests buttons.

g37guy01

Multimillionaires I know don't even self insure.

thanhnike

got new infiniti G35 at 19. 4G TL at 22

mr_raja

Bought 2008 TL when I was 28. Paid it off within a year. Bought 2012 TL when I was 30, now I am 31, and will, hopefully, pay it off by the end of next year. Hopefully...

OpIv37

Too old to bother, too young to care (33)

ATL126AM

bought my 2012 tl at 20 and i am currently 21

CerberusKy

iTrader: (1)

Picked up a 2010 w/16 K on the odometer for cash. I could have bought new for cash, but didn't think it was the best use of my money. I only take loans for mortgages, nothing else. I really just don't like owing money, but @ 2%, it almost seems worth it to take a loan these days.

CerberusKy

iTrader: (1)

oh yeah, I'm 45.

potmilkz

i dont get why you would want lower deductibles..

deductibles go to body shop (so far i know of) and if you just talk to a few body shops, they can do half deductible or even waive the full deductible just to get your business.

my ex gf got a front end collision which costed about 13k in damages to her g35 coupe. the deductible was 1k, i brought it to a friend that i know that works with insurance claims. He waived the full deductible and took the job without any question. he also gave the car brand new updated projector headlights along with new front grill and nismo front bumper..

paying extra for a lower deductible that you will only use probably once is not a smart idea.

g37guy01

It works differently in the great garden state than California. The body shop cannot do the work without the insurance companies ok, unless it's out of your pocket. Once a price is agreed on, it's price minus deductible and you pay the deductible. No way around it.

potmilkz

i dont think you understand what i am saying.

you first have to shop around, ask the insurance company a list of certified repair shops that is under their list.

then you go to those listed auto body repair shops to talk to them to see if you can work something out.

most of the time, they will take your business if you give them the right proposal. Ive done this with several friends that got into accidents and was successful 100% of the time. Either reduced deductible or full waiver.

The body shop will state that they have collected the agreed amount to the insurance company but will waive or reduce the amount with you. I have been doing this for years and have had no issues. its not illegal.

thats how you work the system.

tuxacura

I am 40 and bought my TL + tech at the beginning of the year. I drove a BMW when I was 30 so it is a reverse of what your wife was theorizing.

DannyZRC

technically it's insurance fraud, but you'll never get caught so who cares.

Insurance is for mitigating risks you can't afford to bear, if you can bear the risk then why on earth would you pay someone else big margins to bear it for you?

g37guy01

I understand fully what you are saying. You don't understand it don't work that way in my state with my insurance company. The insurance company writes the check, not me. I can't get it fixed and have the insurance company reimburse me. That would open the door to fraud, me thinks. As you point out you can work the system.

Maybe this type of stuff is one reason why california is going broke.

Ninja.Turtles

Another newbie here.. but Im 23 and i picked up my 2010 SH-AWD Tech (prior owner already put the A-Spec body kit, car starter and 3M plus dealership gave me a great deal on car and financing) a couple months ago. I traded up from an 05 RSX (got bored of sports cars and wanted to jump into luxury sport sedans) I finished accounting in school and got a job for public healthcare (Alberta, Canada) which is HUGE business up here and is generally one of the best companies to work for.

jspagna1

Good for you. More power to you Acura brother.

under9hell

I think it should work everywhere. The insurance company writes the check to body shop, yes. The shop just don't collect deductible from you and eat the loss.

It's the same practice in dental field. Many offices waive deductible for patients. Why? to keep them from leaving!

g37guy01

Correct. The insurance company gives the body shop a check for the estimate (whatever that may be). They (the insurance company) collect the deductible from you. Now if you work out a deal with the body shop to inflate the estimate and the body shop gives you back the deductible...that would clearly be fraud.

We don't pay the body shop anything, we pay the insurance company, which is different that what you are saying. You are saying pay the body shop...one could easily see how that could lead to insurance fraud.

Strippers4Me

Just picked up a 2012 TL SH-AWD Advance I'm 52 but the mind of a 27 year old

Got the girlfriend a 05 TL and fell in love with her car so that's why I went out and got one for me.... and the gf is 26

daygoballer00

29..just bought my 09 TL/tech last month!

DManz

This post is no good without pics of the car.........and the gf!!!

JDWheelz

Like tuxacura said, my situation has been a bit of a bell curve. I will be 43 next month, married 20 yrs, 2 kids still in grade school.

My vehicle progression through life (ignoring all the motorcycles) goes like this: Fiat Spider in college (chicks loved it), Eagle Talon TSi AWD Turbo (perky and ahead of its time for a pseudo-American car), 1984 Porsche 928S (still my fav), 2001 BMW 530, 2006 BMW M5, 2011 Acura TL SH-AWD.

Even had a Gallardo (black e-gear) briefly before the market sh*t the bed in 2007-8 . Wife drives an MDX. I learned to drive on an Acura Legend.

chiu0nthls

bought it when i was 25.

ucf_bronco

iTrader: (1)

Strippers4Me, this post(er) has so many elements if win I don't know what to do.

docboy

^
lol!

potmilkz

You are wrong, every company works differently and i do believe there is a small percentage of insurance companies that actually do collect auto insurance deductible.. maybe for other types of insurance but for auto, it goes directly to the body shop

so far, all major insurance companies that i know of, the check for repairs goes from insurance company to body shop and deductible is from customer to body shop.

AAA, Geico, State farm, All state all deductible are pay directly to the body shop. keep in mind ive had friends in NY, IL and KY that have deductibles waived before so you really cant say that it only applies to CA

gibjer

33 in Aug, held a job in IT at 30+ hours a week since I was 19, full time since I was 21.

After stints as a web developer and traveling tech, I'm now the it guy doing it all. Web Dev, DBA, Networking, Security, Phones, Server, PC/Mac Helpdesk, ERP, etc etc. 600+ Employees and my only other help in it all is another Web guy.

ZCL

I am 30. I was 29 when I bought my 2012 TL Advance SH-AWD. I was 28 when I bought my wife her 2010 MDX Advance SH-AWD w/ rear-ent.

docboy

+1

The deductible is part of a contractual agreement the insurance company has with the auto shop, and as part of the contract the shop is contracted and obligated to collect the deductible from the client.

Same principle applies to medical and dental insurance, with medical and dental offices wrt the patient.

g37guy01

My insurance company is GEICO and I recently went through the process of getting a car fixed after an unfortunate at fault fender bender (no, not my G). As part of the settlement GEICO requested a check for the deductible made out to them. And not I'm not a risk, credit rating is about 850.

karlito

I just turned 29 and had it since I was 27. I had a 3G prior and bought it when I was 25. I'm also in IT.

potmilkz

ive never personally dealt with fender benders as they are low cost. ive only dealt with 5k damages and above.. so that body shop has room to recoup deductible cost.

fender benders are out of my category as they are low cost to fix.

also auto insurance has nothing to do with your credit rating.. credit rating is for finances only.. not auto insurance

jspagna1

What's your secret?

g37guy01

Fender bender is a euphemism. It was about $4,500 dollars in damages.

As far as credit rating, the insurance companies can look at your credit rating to in part determine your insurance cost,, they can also look at your highest level of education. You didn't know that?

cwelk87gn

Traded in a 2008 Mitsubishi EvoX MR, and paid cash for the difference on our 2012 SHAWD Advance. 40 Years old.

potmilkz

well thank god i dont live where you live, as far as credit score affecting your insurance, from what i found. its just another small variable they look into along with years of driving experience. personally i never gave my SS to my insurance agency so my credit score didnt get checked, this wasnt a variable for me.

having high credit score is one thing, having long credit history is another. believe it or not my younger brother has better credit score than me, but i have history. i will be approved before he will be.

Nexson

this is turning into a who makes more money at a younger age type of thing, we all know our parents co-signed for us hahah

cologero2

Figured I'd chime in here after a few years away from AZ. I'm 32 and currently drive an '09 tech awd. I had been driving an '08 Audi S6 for the past few years after many years of being an Acura owner. Between the car payment, gas and service costs I decided to come back and have been happy so far.

arch1981

iTrader: (1)

I'm 30, bought it this year.

not helping the cause either!

g37guy01

Unfortunately my auto insurance co requires an SSN; can't get a policy without it. However, due to clean record and good credit rating, my personal (as opposed to the entire family) insurance is a mere pittance.

Anyway, you balance out things. My insurance is low, and my state isn't (going broke). It is what it is.