comp=comprehensive; pays for car if stolen, fire, collision with animal or object

collision: pays for car if your fault in accident

Yeah, high deduct, but only one of us drives regular to work.  other car just sits.

I was"asking" tongue in cheek.  I don't have comp/collision. I don't plan on having it ever again.

Hello regan,

I am too from the ROW. (Rest of world) as someone earlier posted.

Trust me, not being able to take your kids out to vacation or buying them what they said, would not in anyway hamper the values and morals and eduation you need to give your child.

I used to share my toys, books, room, bags, school items etc with my siblings, cousins etc. sometimes even clothes. Never went for a vacation. Never had a cell phone till 23. Never had a car till 25. Used to travel by bus, used the "public" telephones, the ones with the coins if needed, never got any pocket money, if i needed to buy something i simply asked my parents. We used to get water for only 1 hr in the morning. So we used to fill up these drums of water for use during the day. So i never had the luxury of a shower using gallons of water. I and my family used to bathe, with a bucket of water each.

We did not have airconditioner and made use of fans. We used to live in small rooms and have only small nooks to call our own, rather than a entire huge room.

And despite all this, i love my family, i speak to them everyday. Share the smallest things.

I respect them even more, becuase they were able to educate me and provide me all i needed(necessities), with limited resources. I think i would not be able to respect them or love them as much as i do today, if i had recieved all luxuries. I would probably have taken them for granted.

I empathize with you and will pray and hope things get better for you. But let me tell u this, children do understand. Expensive toys and vacations dont "contribute" to a child's upbringing

here is a good deal for those of you with land phones:

T Mobile is offering home phone service for 10 bucks a month

Includes:  unlimited long distance

Get unlimited nationwide calling from your home phone with T-Mobile @Home.® Home phone service will never be the same because now there's T-Mobile @Home. You get unlimited nationwide calling from home for only $10 per month (plus taxes & fees). Plus, you'll get the services you expect like Voicemail, Call Waiting, True Caller ID, Call Forwarding, 3-Way Conference Calling, and Call Holding. Sounds like a great deal!

Donate plasma.......and have garage sales.........

I would say that a good number of people finance vehicles. As you likely know, the financing company requires comp/collision. I suggest people avoid financing altogether. It's one's own choice to have comp/collision preference.  I let people know my bias in this as well. I have and give my reasons for it.

My latest vehicle was maybe 1 yr old or so when I bought it. I got title outright 6 months later and cancelled comp/collision. I've done that with all my vehicles I have owned(hasn't been that many).

I understand why someone would want to have it. I am more comfortable WITHOUT it. I don't know anyone that looks forward to paying the insurance premium, including myself. So, I choose to keep that money and put it to different use.

Instead of being on a cycle of purchasing a new vehicle(expense) that requires financing(interest) and comp/collision( insurance premium),I choose to hold the money at put it to work(invest/reduce debt) for me, a reverse premium if you will. 

I don't owe anything on my vehicle, but at $15.66 per month for $500 deductible collision, $0. deductible comprehensive, there is no way I'd be without it.   

CBob: exactly!  would take a real financial genius to parlay 15.66 a month into paying for a car that is burned up, vandalized, stolen etc.  I just do not understand the balance here.

MetLife Auto & Home is the best and cheapest for us older folks.  My agent is Darnell Coleman in Gilbert.  480-558-1601.  dccoleman@getmetagent.com 

That's what the comp / collision portion of my premium costs, not my entire premium, and my vehicle is 5 yr. old Pontiac Montana with 67,000 miles.  I pay one $448.premium annually ($37.33 per month) for $500,000 / 250,000 / 100,000 full coverage with an extra $25,000 per person medical expense, towing and substitute transportation.  I think to get rates like this you have to be over 55, have a high credit score and no tickets in the last 3 years.

That's good. Our(2 drivers) total pemium is $116 x 4 months,annually $464(bare minimum). Vehicles are 95,00, 05( no more for me thanks) I did pay $50 to fix a dent and $100 including labor to replace a windshield. I don't like driving now, I'm 37.

I almost did the same thing.  Usually, the theory that "if something sounds too good to be true, it probably is" holds true, but in this case my investigation disclosed it was true and that they pay their claims better than the average insurance company.  MetLife also saves me over $100 per year on homeowners insurance.  Also, we have MetLife Dental and it was the best and cheapest of a number of plans that my wife and I considered.