t>> Most people aren't going to 'buy' insurance in any form for 'totalling' a car within a yearI hope your're right. But they (Saturn dealership) tried to sell it to me. I was polite about it, but nothing more. They had already tried to increase the purchase price 1k over what we agreed. That was when I was rude.t>> tell them I'll buy a Honda because they never break.... ho ho (not true) but it is good anti-car salemen ammo....t>> Best yet is to pay cash for your next car..then you don't have to worry about financing at all!....t>> My first used 3 year old car was financed....paid off in 1 year....second car was half financed (1 year old used).....3rd car was bought for cash, 7 years after I graduated from college..not married with kids, so that makes a difference.....Yeah.. Car salesmen are fun to play with. I read a book "What Car Dealers Don't Want You to Know" It was really good. You might like it.My first 3 cars I paid cash for (I fixed them up and sold 2 of them for more than I paid). The 4th (first one I financed) was a totaled 95 civic I bought in 98. I put it back together, and it will turn 190k in a week or so. I do all the routine maintenance, and the only non-scheduled items were the CV shafts and battery. Its still on the original clutch. Gotta Love Honda! Got the 5th (the new one that is still financed) for my wife so there would be room for kids.-Joe
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