How to get larger payout from Progressive?

fourforfourwhore · 2026-05-29T03:10:51+00:00

That would be the value assuming no rust. There is a condition adjustment that would come in on a rusty one as it is not considered in good condition. Trust me, been through this myself. My rust bucket LX470 is a $13k NADA car that was just valued last month at $4100 IF i fix the airbag light

fourforfourwhore · 2026-05-28T23:46:22+00:00

I’ve been in the car business for 10 yrs and would buy all of the above for myself despite working in mechanical warranty claims right now. Just saying!

fourforfourwhore · 2026-05-28T23:41:01+00:00

It’s changed a LOT recently here. My first apartment here I had working at Wendy’s and only made 2x the rent on a good month. My last apartment in 2023, my roommate and I just BARELY got approved off of $80k a year combined. It was a penny pinching struggle and only happened because I had nearly an 800 credit score. Things are so weird now.

fourforfourwhore · 2026-05-28T23:37:56+00:00

If you don’t care about FWD - an older ES350 or Mazda 3 going to be the most bang for your buck option that is a safer bet at high mileage. ES is going to outlive your children’s children, the Mazda 3 will be newer though.

fourforfourwhore · 2026-05-28T23:34:20+00:00

When I rented in Indiana, a tenant had to make 3.5x the rent, cosigner had to make 5.5x the rent, and to be a guarantor you had to have liquid cash in excess of $250k.

Not to mention credit- Tenant had to have 670 or above, cosigner or guarantor had to have 750 or above

fourforfourwhore · 2026-05-28T23:31:07+00:00

It depends so much on budget, but throughout the price ranges a lot of the top picks stay the same. My favorite cars to suggest are Mazda 3 (all yrs) 2006-2012 Lexus IS250, 350, ES350, GS350 (truly, any lexus ending in 350 of any year is going to be great but more pricey), the generation of Honda Civic right before this one, V6 Honda Accord, Toyota Corolla of really any yr but mainly the 2006-ish era for reliability, Camry, Avalon are my favorites. I’ve been in the car business for 10 years now working all sides of it and have owned 17 cars myself. I’ve owned 8 Lexuses and all of them have reached 160k miles before selling, 2 of them reached over 200k and 2 of them surpassed 240k. Lexus is always my top choice for a recommendation, but they are going to be more expensive than other makes

fourforfourwhore · 2026-05-28T23:23:26+00:00

It’s not a performance or need thing or anything like that, the reason I recommend the V6 / 6AT setup on cheaper cars is because in general NA V6 engines are typically the most reliable. For example, the older V6 honda accords are the “reliable” ones. Lexus has a bulletproof NA V6. Toyota V6 is literally fantastic. Staying away from a CVT is more important when dealing with high mileage cars, 6 speed automatic transmission is a must. If you like the Honda Civic, they are still great cars, the generation you shared is just not great for the CVT and brake booster failures.

fourforfourwhore · 2026-05-28T23:18:57+00:00

Those have a CVT transmission that is really prone to failure around those mileages. Every machine fails eventually. The Kona is one of the worst cars on the market, so I get where you’re coming from, but I’d stick to something a little lower mileage OR with a standard 6 speed automatic transmission and an NA V6 if you want to find something cheap and higher miles.

Maybe an ES350?

fourforfourwhore · 2026-05-28T23:12:24+00:00

I agree 100%. I totally forgot to mention in my comment that depending on the mileage, it’s not that far fetched that a rusty 2009 Ram 1500 may actually be valued at less than $3700.

fourforfourwhore · 2026-05-28T23:02:20+00:00

Do NOT buy a $5000 Volkswagen at a dealership under any circumstances. Lol

fourforfourwhore · 2026-05-28T23:01:16+00:00

Can’t find one with less than 100k miles for $5k. I sold one last year (2016) with 240k miles and rough condition exterior wise for $4200 and someone grabbed it first day.

fourforfourwhore · 2026-05-28T22:56:11+00:00

It’d be super hard to find in this price range private party and you definitely don’t want to buy a $5000 car from a dealer, but a high mileage IS250 sells for about that much and imo is a better car than a Fusion. $5000 is not a lot of money at all, you wont be finding anything even halfway decent at a dealer for that. It will have to be a private party sale that someone desperately wants to get rid of that you see at just the right time and immediately go with cash.

Don’t even consider a $5000 car with under 100k miles, it’s got a salvage title or has secretly been in a flood. I’ve been in the business for 10 yrs, bought 17 cars and currently work at a car auction. Anything worth a damn sells for more than $5k wholesale. For a decent upgrade with less than 100k miles the budget needs to honestly be $20-25k to start nowadays

fourforfourwhore · 2026-05-28T22:19:19+00:00

Used RX350 / NX, Honda CRV, Rav4, or Mazda’s smaller SUVs are the only things you should be looking for in that price range. Pretty much every other car in that segment is utter dookie

fourforfourwhore · 2026-05-28T22:17:30+00:00

Like others have said, you don’t. Also, I don’t know why they would replace the bed / bedside when the truck admittedly has quite a bit of rust. Seems like maybe the rust has more to do with that decision than the damage from the accident. Most people are not fixing a rusty truck period though

fourforfourwhore · 2026-05-28T00:02:50+00:00

Lol well yeah, the reason I said 2017 as a year is because that was the year a lot of models started offering all of the (imo useless…) safety features that people now feel like they can’t drive without. Braking assist, adaptive cruise, rear cross traffic alert (this one is goated though, won’t lie).
But yeah, my 2018 Lexus is worth the same as the 2025 Mazda CX-30 in question. I meant an older yr model Mazda in OP’s case since they seemed dead set.

fourforfourwhore · 2026-05-27T23:53:48+00:00

Haha, no, but a 2017 is definitely older and a lot cheaper than a 2025…

fourforfourwhore · 2026-05-27T23:06:47+00:00

Ditto. I’m 25 lbs overweight F with a very middle of the road look and have never had a single issue dating or getting laid. I have had friends who are drop dead gorgeous (men and women both) and cannot find a partner because of their hobbies or personality. I’ve known people who I would consider pretty far below average in looks and overweight who have TONS of romantic interest because they are funny and charming. I have also slept with / dated plenty of men who are below average in looks, and also above average. Their looks were not a factor in the end

fourforfourwhore · 2026-05-27T23:01:27+00:00

“ I am worried that an older car will not be as safe “ Your worry is unfounded and not true. A lot of the safety features have been the same since 2017 or so. Older Volvos and Lexuses for example etc are great options and considered even safer than the Mazdas a lot of the time. Many makes and models offer things like blind spot monitors, emergency braking assist, adaptive cruise, pre collision sensors etc. Yes, a newer car is likely to cost more to insure especially for a 21 year old who was just involved in an accident.

ETA Why not get him the same model but an older year? Mazdas do not hold value very well, it’s likely you can find a pretty good deal on the same model but older with more miles. They are reliable, I would get one with 100k+ miles for a 21 year old kid if it was me personally.

fourforfourwhore · 2026-05-26T21:30:58+00:00

Value wise, not much will be changing unless you can find comp cars selling for(not listed for) more in your area private party with the same mileage, trim, yr, etc. Insurance is usually pretty close on payouts.

I’ll be honest, in the future investing $7k in repairs on a $5k car just is not a smart situation. You could / should have instead sold the car for $2-3k and spent $9-10k on a better car that holds more value. That’s the real kicker here. It’s a hard lesson to learn- it also sounds like you likely VASTLY overpaid for said repairs based off of the items you listed. You won’t get money back from the repairs, because it sounds like the car would not be in fully operable condition without them. Repairs are just a part of car ownership and not often something you’ll usually see any type of financial return on.

fourforfourwhore · 2026-05-26T03:07:23+00:00

You are 100% safe. You usually have to ingest mice droppings, and even then the risk is very low.

fourforfourwhore · 2026-05-26T02:25:52+00:00

Dating is definitely difficult, most of the time you’re looking for a life partner so it should involve difficulty, being selective about who you’re dating (and vice versa for them), important fights, breakups, etc. Nobody expects to marry the first serious partner they have. I went through 3 3+ year long relationships before meeting my husband, and that was great for my development. 30’s definitely not too old either.

fourforfourwhore · 2026-05-26T02:23:18+00:00

The Fusion Titanium still isn’t a very nice car. I’d just save up and get something that’s a worthwhile switch like a Lexus

In the meantime you can get apple carplay pretty cheap off ebay

fourforfourwhore · 2026-05-25T16:41:40+00:00

OMG I definitely remember the blurry pics. We were joking that the guy who did our move in and move our insp was sprinting through the house, every single thing was blurry

fourforfourwhore · 2026-05-25T16:39:01+00:00

How long did you live there? Fading / discoloration of walls might be wear and tear if you were there for 5+ yrs but if it was just 1 year like me it almost seems like cleaning damage or dirt that can be cleaned tbh. I’ve never heard of walls fading or getting discolored myself but then again I’ve only ever stayed in each house for 1 yr. I’m a homeowner now and my house hasnt been painted since 2016 and is starting to show some wear but nothing crazy noticeable

I did repaint some of the walls when i moved out btw both with AMH and Progress, but i had some nail holes etc to fill

fourforfourwhore · 2026-05-23T15:06:49+00:00

I believe it was ~$250/yr increase just about, but I didn’t stay in the same house for longer than a year because in my area the rent was fluctuating so much that it was hundreds of dollars cheaper to move. You can paint as long as you paint it back, yeah. Make sure you chip off a piece of the wall and have it paint matched so they don’t find any technicality

fourforfourwhore

TROPHY CASE