Auto Insurance Question - Need Experts' Suggestions

98 Nissan, good condition (Value $ 3000-4000)

Broad collision $500 deduction with AAA insurance, Fee $600/semi annual
Fee could be $300/semi annual if mandatory coverage only

Got an accident in the winter, hit other car from behind because of icy road. Drivable after the accident. Body shop said it would be totaled if I make a claim. I did not make the claim in order to keep a good driving record to keep a good insurance rate. I paid $900 to have the car repaired.

The dilemma:

Should I

A. Spend $600/semi annual to keep the old car under broad collision and not make the winter accident?

B. Should I make a claim to get the car totaled and get a smaller than totaled value check from insurance company in order to keep in car?

C. Should I drop the collision coverage without making any claim on the car in order to keep a good drive record?

所有跟帖： 

• If total, pay you market value and take your car. -jin_yin_hua- ♀ (131 bytes) () 03/25/2009 postreply 22:40:50

• 回复：If total, pay you market value and take your car. -bluewoman- ♀ (188 bytes) () 03/26/2009 postreply 06:31:31

• If you can find a place fix your car less than -jin_yin_hua- ♀ (268 bytes) () 03/26/2009 postreply 07:53:33

• 回复：If you can find a place fix your car less than -bluewoman- ♀ (74 bytes) () 03/26/2009 postreply 13:23:58