as for your insurance man giving increases, wait till its time to renew, he remembers all. even a 5 dollar increase a month and you will over time be paying for whatever you claimed, and perhaps then some

 

It's all personal choice either way. He has access to a body shop; I don't. He just needs the parts. I'd rather pay an extra couple dollars per month than drive around in a 5-color car. If you don't use the insurance for an accident, what the hell is the point of having it? You pay them every month for what?

 

I only pay em to to cover whatever the other guy could sue me for(liability).
And because by law I have to.

If the cars paid for, collision/theft/fire is a rip off. most body work is soo expensive on these cheap cars they ususally get written off far too easily through the insuance racket

and whats wrong with a 5 color car?