Jess, here's a good discussion on this: [link]

With a 10 year old car, I'd really just look at liability coverage as well. Comprehensive for replacing the car itself and the cost of insurance often over time can cost more than the replacement value of the car.

Note: not REPLACING the vehicle itself because that always costs more but they will only pay you the value of the car on the claim--then its up to you to find another car of comparable value/quality with that amount. Which is hard to do with a reliable older car with low mileage.

if the car gets totaled, does your mother assume the financial loss? or do you?

We do. But if the car were totaled (and we didn't have comprehensive coverage) we wouldn't replace it, we'd just go back to not having a car. (My mother is buying herself a new car, which is why she doesn't need this one anymore.)

If your car is worth less than 10 times the premium, purchasing the coverage may not be cost effective.

Thanks, that makes it easier.

What a weird day. I have some sort of cold that is making me feel really out of it, although the actual pain in my nose is gone. I could seriously curl up on the floor and go to sleep right now, even though I slept for about 14 hours last night.

And the Dean of our school resigned and is taking another job within the University. Which is super weird, because we just did a Welcome back with her last week.

Epic- I am so sorry about your kitty. Much cat~ma.

Birthday Happies, P-C!

Headline o' the day:

Possible AIDS cure linked to glow-in-the-dark cats

The technique is called gamete-targeted lentiviral transgenesis -- essentially, inserting genes into feline oocytes (eggs) before sperm fertilization. Succeeding with it for the first time in a carnivore, the team inserted a gene for a rhesus macaque restriction factor known to block cell infection by FIV, as well as a jellyfish gene for tracking purposes. The latter makes the offspring cats glow green.

I saw that! It's ultra-cool science, even aside from the fact that you could use kitteh as a night light.

One more car insurance question - Geico is less than half the price of Progressive. (Those are the only two I've checked so far because they have really easy to use online quote systems.) Is this because Geico is really shitty or because Progressive is really expensive? Anyone have an insurance company they love?

Epic, much ma going to your kitty.

Happy Birthday P-C!!