Anonymous
07/18/2025 18:14
Subject: Car help- was totaled
Anonymous wrote:Anonymous wrote:I’m sorry OP. We are going through the same situation. Hit by an at-fault cited driver, and our car which had no issues was a total loss.
Insurance payout is about 5K less than what we would need to buy same year/model versus about 10K for new. We are leaning toward buying new during end of the year close out. It really is horrible when you are out of pocket for someone else’s dangerous driving.
Did you get your insurance to help you navigate this?
Did you contest the amount of your car buyout?
Yes and yes. We got nowhere.
Anonymous
07/18/2025 16:29
Subject: Car help- was totaled
Anonymous wrote:I wouldn’t buy a kid going off to college a new car especially if he’s already been in an accident. A car should be earned nof just given.
Fair.
Anonymous
07/18/2025 10:23
Subject: Car help- was totaled
Anonymous wrote:Get him a CX-30 new with no extras. Awesome car for new driver, cheap and safe.
Don’t know if I agree with this. The CX-30 looks great and has nice features but the vision and blind spots are really bad.
Anonymous
07/18/2025 10:22
Subject: Car help- was totaled
Anonymous wrote:I’m sorry OP. We are going through the same situation. Hit by an at-fault cited driver, and our car which had no issues was a total loss.
Insurance payout is about 5K less than what we would need to buy same year/model versus about 10K for new. We are leaning toward buying new during end of the year close out. It really is horrible when you are out of pocket for someone else’s dangerous driving.
Did you get your insurance to help you navigate this?
Did you contest the amount of your car buyout?
Anonymous
07/18/2025 10:21
Subject: Car help- was totaled
I’ve never bought or used warranties. I feel like you can just put that money aside and self-insure. Obviously have car insurance, I just mean for repairs.
Anonymous
07/18/2025 10:18
Subject: Car help- was totaled
Anonymous wrote:Mazdas suck. Your kid needs a used Honda CRV. End of story.
I just changed my fairly new Honda back to Mazda. That Honda was going to get me killed.
Anonymous
07/18/2025 10:17
Subject: Car help- was totaled
Get him a CX-30 new with no extras. Awesome car for new driver, cheap and safe.
Anonymous
07/18/2025 08:39
Subject: Car help- was totaled
We bought new because used prices are absurd. I don’t know if they will ever become sensible again. I am amazed people pay used prices post pandemic (we often did prior.)
Anonymous
07/18/2025 08:29
Subject: Car help- was totaled
I’m sorry OP. We are going through the same situation. Hit by an at-fault cited driver, and our car which had no issues was a total loss.
Insurance payout is about 5K less than what we would need to buy same year/model versus about 10K for new. We are leaning toward buying new during end of the year close out. It really is horrible when you are out of pocket for someone else’s dangerous driving.
Insurance payout is about 5K less than what we would need to buy same year/model versus about 10K for new. We are leaning toward buying new during end of the year close out. It really is horrible when you are out of pocket for someone else’s dangerous driving.
Anonymous
07/17/2025 22:06
Subject: Car help- was totaled
we buy bmw cpo that are 3 years old. sounds wild but BMW have massive depreciation at year 3 and cost the same as a civic, the cpo will give you at least another 1-2 year warranty.
Anonymous
07/17/2025 15:03
Subject: Car help- was totaled
Anonymous wrote:I'm getting 4k off MSRP so paying same amount for new 2025 as I did for new 2022 when I got it. Isn't that good or am I missing something? I think it's the idea of a new car for a 20 year old that's bothering me.
As is probably “rewarding” an accident, even if not his fault, with a new car. Still get the new one in this case and tell him to take care of it so it lasts into his career, you won’t buy him another. A safe car is good for the parents peace of mind too.
Anonymous
07/15/2025 09:09
Subject: Car help- was totaled
Also it sounds like you really can't afford another car at this time. College kids don't always need cars. There are bus routes and this thing called "walking."
Anonymous
07/15/2025 09:08
Subject: Car help- was totaled
Mazdas suck. Your kid needs a used Honda CRV. End of story.
Anonymous
07/12/2025 15:33
Subject: Car help- was totaled
Anonymous wrote:Anonymous wrote:OP, it is a bit hard to understand what help you need from the board. Do you just want to replace the totaled car with the exactly same make/model? And not spend more than the insurance payout? Do you know how much insurance will pay? If not, go on any online car site and enter your car make/model/year/mileage range. It will show what is available for sale in your area. Take the average price of that and you got your insurance payout. Regarding buying new or used I think that a used non CPO car under 36k and 3 year (meaning still under bumper to bumper warranty) can get you the best combo of price and warranty.
Yes I saw one at an auto mall type place. (Are those legit?) and it's about 26k before fees so maybe 4k less than new. But then won't get the 2.9 APR. and they haven't called me back lol
I am not sure what model you are looking at. Just search on line, there are plenty of choices. You should be able to get 15-20% discount compared to a new car price. If you like Mazdas here is a nice example but you can find many others https://express.passportmazda.com/express/used/3MVDMBAM1PM507689?utm_source=cars.com&utm_medium=referral&utm_campaign=cars.com_deeplink&deal_type=finance&deal_down=2000&deal_months=72&payment_frequency=month