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Probably the best while you have a warranty. My 2011 cost me $10K with 3770 miles. Probably $6-7K cheaper than OTD from Ford (including all of their additional fees). For that up front cost savings I am willing to risk a tranny issue.
I also do not carry collision insurance, but do carry comprehensive. I had an 08 Altima I sold to my son in law, basically for about $10.5k. It was a salvage car. He drove it a year and got hit in the rear end by a F150 and it totalled the car again.
The insurance company GAVE HIM $17K FOR THE CAR!
The reason is in Virginia there is a law that allows you to sue to recover "diminished value" of a car after it has been repaired. The insurnace companies will fight you tooth and nail to keep from paying for the loss in value when carfax shows you car has been wrecked, so it is hard for them to tell you the car is worth less BECAUSE it has been wrecked and repaired.
My son in law used the windfall to buy another car. He made a good chunk of cash after paying for all of his operating expenses.
regards
Mech
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