PennSilverTaco's "Perfect 5-Lug Regular Cab" Build, Aspergers, and General BS MegaThread!

Didn't read the whole thread - too busy - I shopped USAA a few years back. They were > than my existing Ins. Co.

 

My short answer is keep the coverage that is best suited to your budget.

My long answer;

I've worked in body shops for decades, you get to hear drips and drabs of the backstory of the job you are currently working on. People back their cars into poles, drunks hit people. Cinder blocks fly off trailers and whack cars. I could tell you 500 interesting tales. My truck is paid, I keep all coverages. 300k medical all the way to loaner car and road service. Why? Because like you I've been saving for a house, I keep a wicked tight budget, and surprises make my teeth itch. Insurance covers accidents and idiot's, both of which could put a hurting on your wallet. Look up the cost of a loaner car for two weeks time, call a bodyshop and ask what their hourly rate is, these things add up quickly when it gets past scratches and cracked tail lights.
I'm not trying to tell you to spend money on insurance, but at least consider the monthly payment, YOUR value of the vehicle you rely on, and the cost of having to move on to another vehicle if more BS were to occur.

 

This is my neighbor’s 2019 Lexus; Good thing we live in PA where only a rear license plate is required, because where the hell is one supposed to mount a front plate?!?!

 

I don't like that large mouth bass grille design at all, front plates would suck for sure.

 

I’m not wild about the new Lexus grille either; Looks like something conjured up on a spirograph, or whatever the hell those things are called...

 

That same ugly large grill has moved into Toyota too, I think it was the Avalon and Camry that have something similar too.

 

Though with the exception of the nanny state feature that locks out iPod use at speeds above 5 MPH, the TRD Camry is pretty sweet!

 

@PennSilverTaco I almost thought that said S10 on the door at first, lol.

 

I still kinda think it does...

What does it say? 510? Does it have a 510cid V8 or something? Either way, that's a slick looking truck!

 

Yeah it has a 510 Big Block

 

So it destroys the rear tires and has a drinking problem!

 

It says it ran to 60 in 4.7 seconds and 13.0 in the quarter back in 1993 when new so its pretty damn quick.

 

Did you get what I meant by drinking problem?

 

Yes I did! That truck was a concept vehicle of Jon Moss if you remember that dude.

 

Look at the drinking habits of the 454SS...

 

Yeah you better live near a bunch of gas stations, lol.

 

@PennSilverTaco How about a 3 pedal Crown Vic and a 32V V8, they were built by Roush for a Racing School.

 

Can you still buy these? Do you know if they have A/C?

 

They would be awesome to tool around in!