A few days ago, I called my automobile insurance company and informed them that a deer had hit my car. The insurance adjuster just left, and he gave me an estimate of $2500 to fix the damage done to my car.
Now I have a decision (or two) to make. Just a few days before the collision with Mr. Deer, my wife and I talked about selling my car (and my old pickup truck) and buying a newer truck. I’d love to have a truck that was big enough to carry our whole family. There are five us, and we can’t fit in my standard-cab F-150.
Out of pocket, I’m looking at a $1000 deductible to fix the car. I really don’t feel like spending that much money, especially on a car that I might sell anyway, but I don’t want to drive around in a busted car, either.
Right now, I’m thinking about -
1. Paying the $1000, having the car fixed, and keeping the car.
2. Paying the $1000, having the car fixed, and selling the car.
3. Selling the car, as is.
If I keep the car, I’ll keep the truck. The truck will not sell for all that much, and I am not going into debt to buy the newer truck. If I sell the car, I’ll also sell the truck. I’ll take the money I make an put it towards a newer truck.
I’ll let you know what I decide. Right now, my gut tells me that I’ll just pay the $1000 and keep the car, but I think it’s worth running the numbers, just in case I can find a good deal on a used truck.
Click here to read about how I paid cash for our minivan last year. I’ll use a lot of the same techniques when / if I decide to buy a newer truck.

December 2nd, 2008
NCN
Posted in
Ride – Our minivan is a Chrysler – and it has a quiet, comfortable ride. In fact, when you sit in the front seat and crank it up, it’s hard to tell if the engine is running, it’s that quiet. The front seats have plenty of legroom, but the back two sets of seats are a little cramped. We own the ‘base’ model – and it’s short for a minivan. But, our kids are small and there is more than enough room for them and their friends. In fact, due to the fact that it’s smaller than our old van, our daughter, who sits on the very back bench seat, can look over and check on the new baby.

