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I'm grumpy. Car = $$$$

Discussion in Everything & Anything started by Mer, Oct 24, 2007

  1. Jan 11, 2007
    Posts
    So I dented/scratched my car door the other day. I am grumpy about that, because the next week was solid rain, but I had no opportunity to take it in for repairs. There are already rust spots (in *one* week!) This car is new, and I am very mad at myself about the damage (it's a 2006 model).

    Anyway, I go to get an estimate for repairs, unhappy about it, but willing to take care of it before the rust becomes an issue. The autobody guy looks at it for ~5 or 10 minutes and goes to print out an estimate. I wait for the bad news trying to figure out the maximum I would be willing to pay before I say no, thank-you. I had figured it would be around $600 - $800 until I talked to my dad. He saw it and thought the repairs would be around $1,200. Ugh! A thousand dollars!!! I am settling into the gloomy mood of accepting my fate. I can swallow a sudden $1,000 expense.

    As I am mulling over my predicament, the auto-body guy finishes up his tally and calls me over. He starts talking to me, interjecting the phrase, "...it's going to be expensive..." in the middle of *every* sentence. That is not good. He is probably preparing me for a $1,400 to $1,600 expense. Finally he gets to the price...

    $2300

    WTF????

    That is *Double* my worst-case scenario! I say thank-you for the estimate and drive away. I get to the office and check my insurance statement. I am currently sitting with a 5% discount over the base insurance rate. If I make an insurance claim, I will only pay my deductible (I think it's $500) and will probably get dropped back to the base rate. So I will be paying 5% more per year for the next little while. It adds up over time, but is still worth-while.

    I find the "claims" information on my insurance and read the bad news. If I make an insurance claim, then I will only have to pay my deductible (~$500) as I originally thought... **BUT** my insurance premiums will go from a 5% discount to a 55% surcharge on the base rate (not back to a base rate). That translates to a roughly $1,800 per year increase in my insurance costs.

    So I can either

    a) pay $2300 now and have no effect on my my insurance rates
    b) pay $500 now and pay an extra $1,800 per year for the next 9 or so years
    c) do no repairs and let my vehicle rust away
    d) go to another auto-body shop and get another estimate

    It's an obvious no-brainer choice. I will go to another auto-body shop and get another estimate... Now that the Canadian dollar is above par with the US dollar, I should probably try getting an estimate south of the border...

    It feels good to vent. My warning to all the younger members of the forums/server: cars are ***EXPENSIVE***. Once you factor in the cost of the vehicle, fuel costs, upkeep costs, insurance costs (even my claims-free insurance was expensive), it's a boatload of money. There's no need to compound it by adding some stupid collision repair costs to the whole "ball of wax". When you get a car, **treat it with respect**. You will have a lot more money tied up in that thing than you first expect.

    /rant
  2. Dec 30, 2006
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    Oh i know what you mean I had to replace my tires it was 300 dollars. Than the airconditioning was 600 and than i have to get another repair that will probably be another couple hundred. Cars are not cheap!!!! Dont forget the 115 dollars a month for insurance and 130 dollar a month car payment. Expensive

    Get another estimate. Dont you dare pay that much.
  3. Apr 9, 2007
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    Ive found Mackenzie auto repair to be less then most other places. (my god damn clutch keeps on failing.)
  4. Feb 21, 2007
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    thats not right. insurance companies should not charge more when you make a claim (unless u wrecked ur car). get another insurance co?
  5. Apr 9, 2007
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    I think hes with BCAA >.<
  6. Jan 11, 2007
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    It's government controlled in this province. ... and I agree: it's not right.

    ...but with the government in control of the insurance, it's about what I would expect.
  7. Jan 11, 2007
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    Thanks,

    I will check them out.
  8. Jun 29, 2007
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    The rain has that ability
  9. Apr 9, 2007
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    =O i would of never known, thanks for enlightening us! :thumbsup:



    Anyways......

    Mer just foot the bill but look around first don't go with BCAA/your insurance company they will charge you much more.
  10. Jan 11, 2007
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    Curse you Rain and your rust-inducing powers! :razz: :starwars:
  11. Oct 22, 2007
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    Ouch, after hearing about that i would def be looking and getting a bunch of estimates. I think the guy was trying to rape you with a sand paper condom. But good luck man
  12. Feb 3, 2007
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    Thats sucks Mer.. Just look around before you get it done over there.. Im sure you might be able to find at least just a few 100's cheaper ^^
  13. Jan 11, 2007
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    Update...

    I've gone to 4 places now. The cheapest place was ~$2,100 and the most expensive was ~$2,600. I will be going to the US this weekend to check the prices across the border, but it looks like I will have to just buckle down and bite the bullet.

    I can afford to fork over $2,000 in car repairs... I just don't want to.

    Of course... ""You can't always get what you wa-ant"
  14. Dec 30, 2006
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    I wish i could afford 2000 in car repairs!