Need advice

Taking or not taking insurance is a gamble. If you don’t have
insurance you are gambling you will pay out less then the insurance
coverage cost over the span of the policy.

Suggest checking exactly what the warranty covers and does not cover
(if the contract is readable). Each Toyota model seems to have items
that go bad but with routine maintanence what are the odds of them
occurring within 120K miles. What does the warranty say about normal
wear and tear issues?

Normal maintanence (at your expense) will most likely still be
required. If you are planning on keeping the car after 120K miles,
preventative maintenance is even more important. Thus, during the
warranty period you will still be spending your money on maintenance on
top of the extended warranty cost.

Dealers sell these warranties because they make a lot of profit.
Contract prices are flexible and you can negotiate a lower price. What
part of the total price the dealer gets, don’t know. In other
service type contracts such as electronics, it is not uncommon for the
contract seller to get 50% of the price up front.

How miles per year do you drive? If read correctly, when broken down
the dealer is offering you a 3-year/25K warranty. You would have
already gotten the 2-year/100K warranty for free. Is this correct?

If the car has 60K miles now, this means averaging 20K per year to max
out the free warranty before it time expires. Do you drive this much?
If so, after these two years, your next 3 years driving will be limited
to about 8K per year to stay within the warranty.

If you get the extended warranty, you can drive 13K miles per year
without maxing out the mileage clause before the time expires.

Does your state or the federal government already mandate longer
warranties on certain emissions items?

At $2350, this is $470 per year for 5years. But if this warranty just
extends the free 2-year 100K warranty by 3 years, this is $783 per
year.


--
toyomoho
------------------------------------------------------------------------
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View this thread: http://www.toyotanation.com/forum/showthread.php?t=168644
 >> Stay informed about: Need advice 

Anyone have any ideas on how much we pay in advance for the warranty on a
new car?
"toyomoho" <toyomoho.2ilbyz.RemoveThis@no-mx.forums.yourdomain.com.au> wrote in message
news:toyomoho.2ilbyz@no-mx.forums.yourdomain.com.au...
>
> Taking or not taking insurance is a gamble. If you don’t have
> insurance you are gambling you will pay out less then the insurance
> coverage cost over the span of the policy.
>
> Suggest checking exactly what the warranty covers and does not cover
> (if the contract is readable). Each Toyota model seems to have items
> that go bad but with routine maintanence what are the odds of them
> occurring within 120K miles. What does the warranty say about normal
> wear and tear issues?
>
> Normal maintanence (at your expense) will most likely still be
> required. If you are planning on keeping the car after 120K miles,
> preventative maintenance is even more important. Thus, during the
> warranty period you will still be spending your money on maintenance on
> top of the extended warranty cost.
>
> Dealers sell these warranties because they make a lot of profit.
> Contract prices are flexible and you can negotiate a lower price. What
> part of the total price the dealer gets, don’t know. In other
> service type contracts such as electronics, it is not uncommon for the
> contract seller to get 50% of the price up front.
>
> How miles per year do you drive? If read correctly, when broken down
> the dealer is offering you a 3-year/25K warranty. You would have
> already gotten the 2-year/100K warranty for free. Is this correct?
>
> If the car has 60K miles now, this means averaging 20K per year to max
> out the free warranty before it time expires. Do you drive this much?
> If so, after these two years, your next 3 years driving will be limited
> to about 8K per year to stay within the warranty.
>
> If you get the extended warranty, you can drive 13K miles per year
> without maxing out the mileage clause before the time expires.
>
> Does your state or the federal government already mandate longer
> warranties on certain emissions items?
>
> At $2350, this is $470 per year for 5years. But if this warranty just
> extends the free 2-year 100K warranty by 3 years, this is $783 per
> year.
>
>
> --
> toyomoho
> ------------------------------------------------------------------------
> toyomoho's Profile:
http://www.toyotanation.com/forum/member.php?userid=59151
> View this thread:
http://www.toyotanation.com/forum/showthread.php?t=168644
>
 >> Stay informed about: Need advice 

stu wrote:
> Anyone have any ideas on how much we pay in advance for the warranty on a
> new car?
> "toyomoho" <toyomoho.2ilbyz DeleteThis @no-mx.forums.yourdomain.com.au> wrote in message
> news:toyomoho.2ilbyz@no-mx.forums.yourdomain.com.au...

Regarding insurance, statistically insurance carriers pay out about 50%
of the premiums they take in, otherwise they lose money..... so already
if you are collecting 50% of what the policy is costing you, you are
technically speaking breaking even. Then when time comes to collect,
you are at the mercy of the carrier's decisions and whims.

I much prefer buying the mandatory insurance, and paying for the repair
work out of pocket. In this case you are the boss, you determine if
you are satisfied, etc. Let insurance take care of catastrophic
incidents. As so many suggest, assume you will pay an extra $100 or so
a month in premiums, and put that money in a savings account instead.
I think you'll come out ahead, statistically speaking.

Also, has anyone ever replaced Lexus run-flat tires with regular radial
tires. Run-flats are nice though noisy, but if I ever get a flat, I
need to replace the tire. Replacing a tire that is almost 75% worn
means I have to replace four tires, should I ever have a flat, that's a
very expensive proposition. So I would like to opt out of run-flat
tires, any ideas out there????

/Nick
 >> Stay informed about: Need advice 

On 14 Dec 2006 03:35:14 -0800, "kitzler" <njanus.TakeThisOut@optonline.net> graced
this newsgroup with:

>
>stu wrote:
>> Anyone have any ideas on how much we pay in advance for the warranty on a
>> new car?
>> "toyomoho" <toyomoho.2ilbyz.TakeThisOut@no-mx.forums.yourdomain.com.au> wrote in message
>> news:toyomoho.2ilbyz@no-mx.forums.yourdomain.com.au...
>
>Regarding insurance, statistically insurance carriers pay out about 50%
>of the premiums they take in, otherwise they lose money..... so already
>if you are collecting 50% of what the policy is costing you, you are
>technically speaking breaking even. Then when time comes to collect,
>you are at the mercy of the carrier's decisions and whims.
>
>I much prefer buying the mandatory insurance, and paying for the repair
>work out of pocket. In this case you are the boss, you determine if
>you are satisfied, etc. Let insurance take care of catastrophic
>incidents. As so many suggest, assume you will pay an extra $100 or so
>a month in premiums, and put that money in a savings account instead.
>I think you'll come out ahead, statistically speaking.
>
>Also, has anyone ever replaced Lexus run-flat tires with regular radial
>tires. Run-flats are nice though noisy, but if I ever get a flat, I
>need to replace the tire. Replacing a tire that is almost 75% worn
>means I have to replace four tires, should I ever have a flat, that's a
>very expensive proposition. So I would like to opt out of run-flat
>tires, any ideas out there????
>
>/Nick


typically, suspension systems are different that are set up for run
flat tires. If you change to non flat tires without changing the
suspension you may have handling problems and an unsatisfactory
ride.

I've been told conversion of the suspension systems involves a lot
more than just changing the stuts and is quite expensive (read
thousands of $).

YMMV of course.
 >> Stay informed about: Need advice 

>
>
> typically, suspension systems are different that are set up for run
> flat tires. If you change to non flat tires without changing the
> suspension you may have handling problems and an unsatisfactory
> ride.
>
> I've been told conversion of the suspension systems involves a lot
> more than just changing the stuts and is quite expensive (read
> thousands of $).
>
> YMMV of course.

I never thought of that, thanks YMMV, and I will definitely try to
pursue that line of argument. I also I heard that Lexus increased the
horsepower of the GS300 for 2007 by replacing the 3 Litre engine with
a 3.5 L. .This is welcome news as my 2006 sometimes does not shift
down during slow hill climbs and that causes the engine to labor and
the car to lose speed. A bigger engine would trump that problem.
HOWEVER, I have a sneaky feeling that for 2007, Lexus dropped the All
Wheel Drive option on the GS350. Anyone hear anything like that?
 >> Stay informed about: Need advice 

On 16 Dec 2006 12:15:28 -0800, "kitzler" <njanus RemoveThis @optonline.net> graced
this newsgroup with:

>
>>
>>
>> typically, suspension systems are different that are set up for run
>> flat tires. If you change to non flat tires without changing the
>> suspension you may have handling problems and an unsatisfactory
>> ride.
>>
>> I've been told conversion of the suspension systems involves a lot
>> more than just changing the stuts and is quite expensive (read
>> thousands of $).
>>
>> YMMV of course.
>
>I never thought of that, thanks YMMV, and I will definitely try to
>pursue that line of argument. I also I heard that Lexus increased the
>horsepower of the GS300 for 2007 by replacing the 3 Litre engine with
>a 3.5 L. .This is welcome news as my 2006 sometimes does not shift
>down during slow hill climbs and that causes the engine to labor and
>the car to lose speed. A bigger engine would trump that problem.
>HOWEVER, I have a sneaky feeling that for 2007, Lexus dropped the All
>Wheel Drive option on the GS350. Anyone hear anything like that?


I don't recall on the GS's but doesn't the GS300 have the ability to
either manually downshift and/or disable the overdrive function? On
most cars, the overdrive can be disabled by a button on the shifter
knob. That would probably help you a lot on the hill climbs. We have
a 00 ES300 and even on steep hills, if we manually take it out of
overdrive, we have no problem with hills. Of course, my LS430 doesn't
care much about hills.

The GS350 is the next generation GS (hint, the number denotes the
liter size of the engine 300 = 3.00 litre, 350= 3.5 litre.
Subsequently, the 430's are 4.3 litres).

One thing to look at instead of run flat tires is something that
Michelin has developed and is now selling that technology to other
manufacturers. It's call PAX.

here's an article that explains what PAX tires are:

http://tinyurl.com/ygqzu9

I suspect however, conversion to PAX type tires may be expensive since
mostly likely the rims must have specially developed lips to hold the
tire firmly in place but I may be wrong.
 >> Stay informed about: Need advice 

<max RemoveThis @dontspam.me> wrote in message
news:bvn8o2diadk3hgeqktuv0fmroehtf790h4@4ax.com...
> On 16 Dec 2006 12:15:28 -0800, "kitzler" <njanus RemoveThis @optonline.net> graced
> this newsgroup with:
>
>>
>>>
>>>
>>> typically, suspension systems are different that are set up for run
>>> flat tires. If you change to non flat tires without changing the
>>> suspension you may have handling problems and an unsatisfactory
>>> ride.
>>>
>>> I've been told conversion of the suspension systems involves a lot
>>> more than just changing the stuts and is quite expensive (read
>>> thousands of $).
>>>
>>> YMMV of course.
>>
>>I never thought of that, thanks YMMV, and I will definitely try to
>>pursue that line of argument. I also I heard that Lexus increased the
>>horsepower of the GS300 for 2007 by replacing the 3 Litre engine with
>>a 3.5 L. .This is welcome news as my 2006 sometimes does not shift
>>down during slow hill climbs and that causes the engine to labor and
>>the car to lose speed. A bigger engine would trump that problem.
>>HOWEVER, I have a sneaky feeling that for 2007, Lexus dropped the All
>>Wheel Drive option on the GS350. Anyone hear anything like that?
>
>
> I don't recall on the GS's but doesn't the GS300 have the ability to
> either manually downshift and/or disable the overdrive function? On
> most cars, the overdrive can be disabled by a button on the shifter
> knob. That would probably help you a lot on the hill climbs. We have
> a 00 ES300 and even on steep hills, if we manually take it out of
> overdrive, we have no problem with hills. Of course, my LS430 doesn't
> care much about hills.
>
> The GS350 is the next generation GS (hint, the number denotes the
> liter size of the engine 300 = 3.00 litre, 350= 3.5 litre.
> Subsequently, the 430's are 4.3 litres).
>

All Toyota/Lexus models have the ability to lock out overdrive.

> One thing to look at instead of run flat tires is something that
> Michelin has developed and is now selling that technology to other
> manufacturers. It's call PAX.
>
> here's an article that explains what PAX tires are:
>
> http://tinyurl.com/ygqzu9
>
> I suspect however, conversion to PAX type tires may be expensive since
> mostly likely the rims must have specially developed lips to hold the
> tire firmly in place but I may be wrong.
>

According to the article, the PAX tires are for OEM only because of the need
for specially designed wheels (not just the rims) and for a tire pressure
monitoring system.

BTW, the rim is the "lip" of the wheel.
--

Ray O
(correct punctuation to reply)
 >> Stay informed about: Need advice 

On Sat, 16 Dec 2006 16:20:06 -0600, "Ray O"
<rokigawaATtristarassociatesDOTcom> graced this newsgroup with:

>

>> I suspect however, conversion to PAX type tires may be expensive since
>> mostly likely the rims must have specially developed lips to hold the
>> tire firmly in place but I may be wrong.
>>
>
>According to the article, the PAX tires are for OEM only because of the need
>for specially designed wheels (not just the rims) and for a tire pressure
>monitoring system.
>
>BTW, the rim is the "lip" of the wheel.

I was referring to the entire rim (or wheel if you wish). Not just
the "lip".
 >> Stay informed about: Need advice 

<max.DeleteThis@dontspam.me> wrote in message
news:06g9o29t8t2r29vt3uig9f6i92dk3ku0q0@4ax.com...
> On Sat, 16 Dec 2006 16:20:06 -0600, "Ray O"
> <rokigawaATtristarassociatesDOTcom> graced this newsgroup with:
>
>>
>
>>> I suspect however, conversion to PAX type tires may be expensive since
>>> mostly likely the rims must have specially developed lips to hold the
>>> tire firmly in place but I may be wrong.
>>>
>>
>>According to the article, the PAX tires are for OEM only because of the
>>need
>>for specially designed wheels (not just the rims) and for a tire pressure
>>monitoring system.
>>
>>BTW, the rim is the "lip" of the wheel.
>
> I was referring to the entire rim (or wheel if you wish). Not just
> the "lip".

One my pet peeves is that "rim" is often incorrectly used as a synonym for
"wheel."

--

Ray O
(correct punctuation to reply)
 >> Stay informed about: Need advice 

On Sun, 17 Dec 2006 13:40:52 -0600, "Ray O"
<rokigawaATtristarassociatesDOTcom> graced this newsgroup with:

>
><max.RemoveThis@dontspam.me> wrote in message
>news:06g9o29t8t2r29vt3uig9f6i92dk3ku0q0@4ax.com...
>> On Sat, 16 Dec 2006 16:20:06 -0600, "Ray O"
>> <rokigawaATtristarassociatesDOTcom> graced this newsgroup with:
>>
>>>
>>
>>>> I suspect however, conversion to PAX type tires may be expensive since
>>>> mostly likely the rims must have specially developed lips to hold the
>>>> tire firmly in place but I may be wrong.
>>>>
>>>
>>>According to the article, the PAX tires are for OEM only because of the
>>>need
>>>for specially designed wheels (not just the rims) and for a tire pressure
>>>monitoring system.
>>>
>>>BTW, the rim is the "lip" of the wheel.
>>
>> I was referring to the entire rim (or wheel if you wish). Not just
>> the "lip".
>
>One my pet peeves is that "rim" is often incorrectly used as a synonym for
>"wheel."


LOL you say potato, I say tomato
 >> Stay informed about: Need advice 

<max.TakeThisOut@dontspam.me> wrote in message
news:ug7bo2drgdjcfu6sgkb2poplum4fagequm@4ax.com...
> On Sun, 17 Dec 2006 13:40:52 -0600, "Ray O"
> <rokigawaATtristarassociatesDOTcom> graced this newsgroup with:
>
>>
>><max.TakeThisOut@dontspam.me> wrote in message
>>news:06g9o29t8t2r29vt3uig9f6i92dk3ku0q0@4ax.com...
>>> On Sat, 16 Dec 2006 16:20:06 -0600, "Ray O"
>>> <rokigawaATtristarassociatesDOTcom> graced this newsgroup with:
>>>
>>>>
>>>
>>>>> I suspect however, conversion to PAX type tires may be expensive since
>>>>> mostly likely the rims must have specially developed lips to hold the
>>>>> tire firmly in place but I may be wrong.
>>>>>
>>>>
>>>>According to the article, the PAX tires are for OEM only because of the
>>>>need
>>>>for specially designed wheels (not just the rims) and for a tire
>>>>pressure
>>>>monitoring system.
>>>>
>>>>BTW, the rim is the "lip" of the wheel.
>>>
>>> I was referring to the entire rim (or wheel if you wish). Not just
>>> the "lip".
>>
>>One my pet peeves is that "rim" is often incorrectly used as a synonym for
>>"wheel."
>
>
> LOL you say potato, I say tomato
>

The engineers I used to work with took no prisoners and were sticklers for
using correct terminology when referring to parts of the car. I guess some
of that rubbed off on me.
--

Ray O
(correct punctuation to reply)
 >> Stay informed about: Need advice 

Ray O wrote:
> <max.TakeThisOut@dontspam.me> wrote in message
> news:ug7bo2drgdjcfu6sgkb2poplum4fagequm@4ax.com...
>> On Sun, 17 Dec 2006 13:40:52 -0600, "Ray O"
>> <rokigawaATtristarassociatesDOTcom> graced this newsgroup with:
>>
>>> <max.TakeThisOut@dontspam.me> wrote in message
>>> news:06g9o29t8t2r29vt3uig9f6i92dk3ku0q0@4ax.com...
>>>> On Sat, 16 Dec 2006 16:20:06 -0600, "Ray O"
>>>> <rokigawaATtristarassociatesDOTcom> graced this newsgroup with:
>>>>
>>>>>> I suspect however, conversion to PAX type tires may be expensive since
>>>>>> mostly likely the rims must have specially developed lips to hold the
>>>>>> tire firmly in place but I may be wrong.
>>>>>>
>>>>> According to the article, the PAX tires are for OEM only because of the
>>>>> need
>>>>> for specially designed wheels (not just the rims) and for a tire
>>>>> pressure
>>>>> monitoring system.
>>>>>
>>>>> BTW, the rim is the "lip" of the wheel.
>>>> I was referring to the entire rim (or wheel if you wish). Not just
>>>> the "lip".
>>> One my pet peeves is that "rim" is often incorrectly used as a synonym for
>>> "wheel."
>>
>> LOL you say potato, I say tomato
>>
>
> The engineers I used to work with took no prisoners and were sticklers for
> using correct terminology when referring to parts of the car. I guess some
> of that rubbed off on me.
I have a major peeve.. The automotive world always noted the pressure in
the intake manifold as "Vacuum". I go ballistic when I hear an
automotive teacher refer to manifold pressure as a vacuum. The proper
term is manifold pressure. That way it is always correct if it is above
or below atmospheric pressure.
 >> Stay informed about: Need advice 

"mikestp" <mikestp RemoveThis @yahoo.com> wrote in message
news:x6jhh.77656$hn.10268@edtnps82...
> Ray O wrote:
>> <max RemoveThis @dontspam.me> wrote in message
>> news:ug7bo2drgdjcfu6sgkb2poplum4fagequm@4ax.com...
>>> On Sun, 17 Dec 2006 13:40:52 -0600, "Ray O"
>>> <rokigawaATtristarassociatesDOTcom> graced this newsgroup with:
>>>
>>>> <max RemoveThis @dontspam.me> wrote in message
>>>> news:06g9o29t8t2r29vt3uig9f6i92dk3ku0q0@4ax.com...
>>>>> On Sat, 16 Dec 2006 16:20:06 -0600, "Ray O"
>>>>> <rokigawaATtristarassociatesDOTcom> graced this newsgroup with:
>>>>>
>>>>>>> I suspect however, conversion to PAX type tires may be expensive
>>>>>>> since
>>>>>>> mostly likely the rims must have specially developed lips to hold
>>>>>>> the
>>>>>>> tire firmly in place but I may be wrong.
>>>>>>>
>>>>>> According to the article, the PAX tires are for OEM only because of
>>>>>> the
>>>>>> need
>>>>>> for specially designed wheels (not just the rims) and for a tire
>>>>>> pressure
>>>>>> monitoring system.
>>>>>>
>>>>>> BTW, the rim is the "lip" of the wheel.
>>>>> I was referring to the entire rim (or wheel if you wish). Not just
>>>>> the "lip".
>>>> One my pet peeves is that "rim" is often incorrectly used as a synonym
>>>> for
>>>> "wheel."
>>>
>>> LOL you say potato, I say tomato
>>>
>>
>> The engineers I used to work with took no prisoners and were sticklers
>> for using correct terminology when referring to parts of the car. I
>> guess some of that rubbed off on me.
> I have a major peeve.. The automotive world always noted the pressure in
> the intake manifold as "Vacuum". I go ballistic when I hear an automotive
> teacher refer to manifold pressure as a vacuum. The proper term is
> manifold pressure. That way it is always correct if it is above or below
> atmospheric pressure.

Good point!
--

Ray O
(correct punctuation to reply)
 >> Stay informed about: Need advice