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Live from the Red Lion Car Show, this episode of Drive Radio covers everything from collectible car insurance to smart used car shopping. John Rush is joined by Steve Horvath of Geno’s Auto Service and Paul Inigro from Group Insurance Analysts as they answer listener questions about exotic car appraisals, insurance valuation mismatches, mysterious engine failures, and the best strategy for buying a used car. They discuss the real reason your premium is higher on a daily driver than on a $300,000 collector car, and John shares pro tips on how to work a car deal like a veteran.
SPEAKER 14 :
It’s 106 miles to Chicago. We’ve got a full tank of gas. It’s dark, and we’re wearing sunglasses.
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Hit it.
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Our lady of blessed acceleration, don’t fail me now.
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It’s time for Drive Radio, presented by Colorado’s select auto care centers.
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Ba-ba-da-ba!
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Whether you need help diagnosing a problem. I want to ask you a bunch of questions, and I want to have them answered immediately. Or just want to learn about all things automotive.
SPEAKER 06 :
Hey, how exactly does a positrack rear end on a Plymouth work?
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It just does. Then you’ve come to the right place. So start your engines, buckle up, and get ready to drive. Drive Radio starts now on KLZ 560 The Source.
SPEAKER 17 :
And it is Drive Radio, KLZ 560. Thanks for joining us today. Steve Horvath with me today from Geno’s Auto Service, as well as Paul Inigro from Group Insurance Analyst. Both of them here, we talked a lot about insurance and things like that during the first hour. We’ll cover some more of that here in hours. 2, 3, and 4, of course, or hours 1, 2, and 3 of Drive Radio, as I should say. Lines are open, 303-477-5600. Those of you that probably can tell from the background noise, we are at a car show, the Red Lion Car Show at 1830 38th Street, Leprino Foods. is where we’re at and for those of you that haven’t been out in this way this area you won’t miss us we are literally uh you get close to 38th and pecos even and you will notice all the cars and where we’re at and the food smell and all of that and as i said during the first hour on fix it radio this is in my opinion one of the best car shows period mainly paul because of the food oh uh
SPEAKER 09 :
We talked about it earlier. If you want to get the best Italian sausage sandwich in town, come here. We’re cooking up Paisano sausage, North Denver sausage. It’s a local sausage company. They’ve been around for many, many years. And they’ve got the barbecue grills going. They’re coming right off, hot off the barbecue. It’s great. In fact, every time we talk about it, I get hungry. I know. They’re delicious. They are delicious.
SPEAKER 17 :
So, again, for those of you listening, please give us a call, 303-477-5600. Still answer all car questions today. Not a problem at all. Just because we’re out and about, I still have the same access back to the studio and the phones and everything like we normally do. So don’t let that bother you. We can still answer questions. You can always come by, ask a question directly as well. The text line, which I’ve got a text. I’ll get into that. In just a moment, 307-282-22. But Mike in Highlands Ranch, you’re first today. Go ahead.
SPEAKER 08 :
Hey, John. Thank you very much. I just caught the last part of the show, of the previous show. And Steve, love Steve at Geno’s. They’ve done work on my cars. And I have a question, insurance question. and so i have a one-of-a-kind factory built car that wasn’t the it wasn’t available in the u.s at the time that i bought it it was built by a friend of mine on the board of bmw and it it doesn’t have uh it it you couldn’t get the leather paint and wood combination in the United States until 2012. Now, the issue is, you know, how in the world do you replace that if there’s damage? Now, let me preface that. I have Hagerty Insurance. And Hagerty says, you know, if it’s damaged or whatever, we’ll just pay you the full amount that you paid for that car in the year you paid for it. I am not convinced that that’s the case. And I’m not looking to have it destroyed or have, you know, it’s not about the money.
SPEAKER 06 :
And it’s 560 take LZ drive.
SPEAKER 09 :
Thoughts, Paul? Well, I would say he’s with the right insurance company. Hagerty. Yeah, I can’t argue that. Yeah, would be the one to be with. What kind of difficulty might he have trying to replace it? Well, I think what the insurance company is saying, well, that’s going to be your issue. We’re going to give you the money. You’re going to have to figure that out.
SPEAKER 08 :
I can’t replace it. It’s irreplaceable. They don’t even make that version of the color anymore on the car.
SPEAKER 09 :
So basically you’re going to get what you insure that car for. What year is it? It’s a 2006. Okay. Which is a relatively new car for Hagerty to insure. They’re normally insuring cars that are older. Unless it’s a specialty-type car like this. Right, exactly. And so, yeah, whoever you’re working with there, just make sure you’re insuring it to a level you’re comfortable with and that they’re okay with as well. I mean, that’s the best you can do, really. Well, that’s the question.
SPEAKER 08 :
Paul, that’s the question. They all say, well, you know, we’ll just send you a check for what you paid for it. And, you know, I’m questioning that. Are you kidding me? You’re going to send me a check for $130,000 if this car is damaged?
SPEAKER 17 :
And really quick, what do you think, Mike, the car is worth today? Is it in the $300,000, $400,000? What do you think it’s worth?
SPEAKER 08 :
Yeah, no, I just recently had an appraisal done, and it was $287,000.
SPEAKER 17 :
Okay, so $287,000. And now is that your stated value on the policy?
SPEAKER 08 :
No, the policy, the Hagerty people say it’s only worth what I paid for it new.
SPEAKER 17 :
You need to get a, A, you need to talk to whoever your agent is or switch over to Paul and have him deal with this with Hagerty because that needs to be a declared value. In a lot of cases, for all of you listening, and I know because I do some of this on my own with my cars, they may require an appraisal. That’s where you get the guys at BP appraisals. You know, pay a birth to go ahead and do an appraisal on the car. Between you and he, you’ll figure that out, get a stated value, and have them insure it then for that higher price. And that may change on an annual basis or even semi-annual, depending upon, Mike, how that goes, as you know. And that’s something you’ll have to address. But, no, they should be able to do stated value. If they’re not, you need a new agent.
SPEAKER 08 :
No, yeah, thanks. I appreciate that. Because I know they can do that. Okay, that makes a ton of sense. I certainly do appreciate that. The other thing that’s curious on this particular vehicle is that obviously I don’t drive it much. I enjoy driving it, but good heavens, I’m almost terrified to take it out. Because
SPEAKER 17 :
you know as bmw says you can’t match the paint we don’t make that paint anymore right right it’s like you know it you know that one mike it’s like going in and which i i’ve good friend of my my dad’s owns an original you know shelby ac cobra it’s a million dollar car i mean i i personally never take that car out and drive it that’s more of a museum piece but you still need to insure it and All of that just in case of, you know, fire, theft, et cetera. But that’s another example of where, you know, if that is a car that is, well, I saw one go through, for example, one went through Barrett-Jackson. One of Carroll’s original cars went through one of his personal Shelbys. You may have even seen this. The car sold for $4 million.
SPEAKER 08 :
Oh, yeah. I’m not surprised at all at that price.
SPEAKER 17 :
Meaning, okay, so that’s where some of these, it’s even like, okay, so who even appraises a car like that on the front side knowing that that value really is what somebody is going to pay for it. Now, you need a stated value. You still got to insure it for X in case something were to happen with it, especially theft. I think in your case and in the case of that car, it’s probably more of a theft issue that you’re going to run into than it would be anything else. But still need it insured so you’re made whole if, in fact, something were to happen, you’re made whole.
SPEAKER 08 :
Yeah, well, like I say, in all candor, it’s not about the money. I shouldn’t say that. That’s not true. It’s always about the money. But as BMW, my friend at BMW says, that car is not supposed to exist. So anybody that calls us up and says, here, send us the serial number. You know, and you send it in and they go, yeah, okay, it’s all special order, you know. It’s not supposed to be there.
SPEAKER 17 :
Right, right. I get it. I mean, and that’s all just… Yeah, and I think, you know… The way I would look at it, Mike, and it’s nothing against agents or anybody along those lines, but if something were to happen, I want to be made whole. And once again, as we talked earlier, the price to insure that car properly, and Paul can attest to this as well, your actual annual premium is not going to change a whole lot. I hate to say this, but it’s really not from $100,000 to $300,000. As you know, Mike, your premium is not going to change a whole lot.
SPEAKER 08 :
No, and frankly, it costs more to insure my Toyota 4Runner than it does. There you go.
SPEAKER 17 :
Absolutely. Absolutely. Yes. Good point.
SPEAKER 08 :
I just go, you must be joking.
SPEAKER 17 :
I was looking at my policy the other day, going through the same things and thinking, wait a minute, I’ve got this exotic that I’m actually paying less money on than I am my truck I’m looking at right here next to me. But I drive the truck daily. It’s in rush hour traffic. It’s got far more risk of being out and having something happen to it than the other cars do.
SPEAKER 09 :
That’s why. You’re more likely to speed in that. Oh, yeah. I’m driving this every day. It’s my go-to. You’re not going to do it with your exotic.
SPEAKER 17 :
It’s my go-to car. That’s right.
SPEAKER 08 :
And they know that. All right. I have another question. Yes. I recently read about the fact that in a lot of insurance, right up your alley again, Paul, one of the things they consider is your credit rating uh the higher your credit rating the the more they say that you can afford uh a more expensive policy i was absolutely stunned at that and maybe i’m wrong maybe i you know who knows well i say i’m wrong i i don’t think i’m wrong i was surprised it was a wall street journal article um And so one of the things that insurance companies look at is your credit rate. And I get it. Everybody looks at your credit rate. But the interesting statement was that you can afford a higher policy premium because of your credit rate.
SPEAKER 09 :
Can you comment on that? It’s really the opposite. Yeah, it’s really the opposite of what you’re saying, the insurance companies will ding people with lower credit scores on their premium because people with lower credit scores tend to be higher risk people. People with better credit scores get a better premium. They’re less likely to try to create a stolen car scenario or something because they need money. Okay. And we used to see that all the time.
SPEAKER 17 :
Let me say it this way, and Mike, you would understand this, and so would everybody else. High credit rating people typically are more responsible, meaning that the insurance company knows there’s a lot less unlikely to be scammed and have any problems with you than somebody that’s in the 400 credit rating, let’s say.
SPEAKER 08 :
Okay, that makes sense. That’s why I asked the question. I was absolutely stunned when I read it. I went, wait, no, no, no. And then I said to myself, well, of course, the Internet, everything you read on there, regardless of what magazine it is or the Wall Street Journal or whatever, is all true. And then I started to laugh. So I’m glad that I got that.
SPEAKER 09 :
On the credit, it sounds like what we just talked about, it sounds like something the Democrats would want us to do, force us to do, make us charge less premium for lower credit score and higher premium for a higher credit score. That sounds like a typical thing that would come out of the Colorado legislature. Yes, yes. Don’t let’s not give him any ideas.
SPEAKER 17 :
Yeah, thank you. Yeah, let’s not. Yeah, no, it’s exactly right, Paul.
SPEAKER 08 :
Absolutely correct. Absolutely correct. Thank you, guys. Great questions, Mike. No, great questions. I’m not surprised at the great food out there with the Italian sausage sandwiches at Loprino’s. That’s a great family.
SPEAKER 17 :
Yes, it is. Absolutely. Yeah, we’re very thankful for them. All right, fellas. Well, Mike, thank you very much. What I was going to say, I was very thankful we’re out here, by the way, Loprino Foods, as Mike just said, 1830 38th Street. Come by, say hi. I mean that sincerely. We’ve got a few giveaways, some license plate holders, T-shirts, pens, you name it. Come by, say hi. And, again, Paul Inagro from Group Insurance Analysts with us. Somebody asked me how to get a hold of Paul. I’m going to go on the text line. It’s easy, e-gia.com, e-gia.com. Everything’s listed there, phone numbers, etc., You can find them that way. If not, Paul, what’s your phone number?
SPEAKER 09 :
303-423-0162. They’ll get that annoying recording. Just hit zero. It goes right to a live person.
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Okay, there you go. And then, of course, Steve Horvath from Geno’s with us as well today. Tom in Black Forest, hang tight. We’ll come right back, talk to you about your Suburban. Don’t go anywhere. Lines open 303-477-5600. Drive Radio, KLZ 560.
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SPEAKER 17 :
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SPEAKER 06 :
Hey, John. Thanks for taking my call. Yeah, I… So I’ve got a 2003 1500 Suburban and so I was up in the mountains about a little over a month ago and I was going up one of the summits and it just stopped. I was able to move it over to the side of the road and try to start it. It started back up and then went up a couple more miles and it stopped again, got it started, went over the hill and down into a town that was kind of late and One of the garage guys there said they couldn’t work on it, but thought it was maybe a fuel pump or a filter. It was half full. The gas was half full. So I drove it back a couple hours to Colorado Springs, and I took it over the next few days over to the Air Force Academy auto hobby shop to actually work on the cars there now. And so yesterday I was driving in, and it basically stopped again.
SPEAKER 12 :
It was half full.
SPEAKER 06 :
So I’m just wondering any thoughts there.
SPEAKER 17 :
on what might be going on so you did put a fuel pump in it or not yes yes it’s new new fuel pump new fuel filter yes fuel pump okay i guess next step would be figuring out why is it you know why is it quitting is it is it fuel related is it ignition you know is it you know as we all know doesn’t matter what unless it’s a diesel That’s regular gasoline, four-stroke engine vehicles, of course, even two-strokes. They’ve got to have spark, have to have compression, fuel, and so on. So it’s unlikely that it’s a fuel problem, given the fact that they put a fuel pump in it and nothing has changed. So it would lead me to believe we’ve got some sort of an ignition problem. But without having some test equipment on it while it’s doing that or knowing what to do, to do to figure that out while that’s happening that that’s the difficult part we need to figure out though uh tom next why is it quitting is it is it something you know electrical now i also will say this there’s electronic components on the vehicle the power you know the powertrain end of things on late model vehicles, yours included, a lot of that, even the fuel pump control and what’s making it operate is still all controlled electronically through the ECM and so on. So then the next question you’d have to ask is, you know, if in fact it’s not getting fuel or it’s not getting, you know, ignition, it’s losing spark. The question then is why, what’s causing that?
SPEAKER 03 :
And then what quality of fuel pump did you put in there? What, what was your brand?
SPEAKER 06 :
Yeah, I, Yeah, okay. I just put regular gas in it, Don. No, no, the fuel pump that was replaced.
SPEAKER 17 :
Do you know what brand of fuel pump they put in it by chance?
SPEAKER 06 :
Oh, no.
SPEAKER 17 :
On a 2003 really quick, did they put a full module in it, or did they just put the pump on the end of it? That’s the other question, because typically speaking… Like Steve, for example, at Geno’s, he’s going to put a module only.
SPEAKER 03 :
He’s not going to put just a pump in it. And the other thing I probably would do also is replace that fuel pump relay at the same time. Yeah, that’s another one. We kind of try to do them together because sometimes you may have a bad pump, but it may have damaged the relay by drawing so much energy through it, so it’s possible it relays damage too because of that. So you usually replace those in combination. Yeah, in those years.
SPEAKER 17 :
Right, especially those years, yes.
SPEAKER 06 :
Okay. Okay. So real quick. Sometimes it’s tough to recreate an issue. I’m sorry. Go ahead.
SPEAKER 17 :
No, no. What I was going to say, Tom, is given – so first things first. If they didn’t do – well, let’s back up. Find out what pump they actually used. Was it a full module or did they just do the pump on the end of the tube? Second of all, did they actually do the relay? Here’s where I’m going with this. If, in fact, they did a complete module and they didn’t do the relay, that relay is something, honestly, you could replace yourself. They’re not that hard to do. Go buy a new relay, install it, and see if that does anything. It’s an inexpensive try before you spend a lot more money diagnosing.
SPEAKER 06 :
Okay, okay. And so if they did not put the full module on, Then the recommendation was to put a module and a relay in it.
SPEAKER 03 :
What tends to happen on those modules is the wiring to the pump tends to get really hot and fail inside. So it’s not only just the pump, but other things get pulled down because of it. So that’s why we like to do the module.
SPEAKER 17 :
And you get a new sending unit, and everything is new. It’s a complete new assembly going into the top of the gas tank. The other problem that we’ve run into over the years, because back in the day, you couldn’t buy modules. You had to put the end pump on it. And I’m just going to be straight up honest, Tom. Even inside of our shop, professionally done and so on, that pump could fail. It could leak internally. It may not have a good seal onto the tube depending upon who installed it. I mean, so many problems can happen that that’s why we all started going to a complete module assembly to eliminate any errors.
SPEAKER 06 :
Gotcha. Gotcha. I understand. I understand. Yeah, okay. No, I appreciate it because I really don’t want to get rid of it. It’s been a tank overall. Oh, great cars. Yeah, absolutely. Of course, a new one is $50,000, $60,000, $70,000, or you can even use one for $40,000 or $50,000. Yeah, yeah.
SPEAKER 17 :
No, no. Tom, they’re $100,000 now.
SPEAKER 1 :
$100,000.
SPEAKER 17 :
If you buy a full-bore Suburban with any kind of equipment on it at all, it’s $100,000. That’s crazy.
SPEAKER 06 :
Yes. So, yes, fix what you have. Absolutely. Absolutely. Absolutely. Yeah, okay. I mean, I know you guys are up in Denver. Do you have any recommendations on any place here in Colorado Springs?
SPEAKER 17 :
I do. I don’t want to say it publicly because they don’t support the show, but if you email me or text me even, I can give you who to go to down there.
SPEAKER 06 :
Okay, okay. Thank you. Thank you. Appreciate you guys’ great service. Have a great day.
SPEAKER 17 :
Thank you. Thank you very much, Tom. We appreciate you very much. And, Joe, let’s squeeze you in before the break. Go ahead, Joe.
SPEAKER 15 :
John, I’ve got a 50-year classic car story. You ever heard of a French Porsche car called a Delahaye?
SPEAKER 17 :
Yes.
SPEAKER 15 :
Well, my uncle came out of the Korean War in 1952. Single, you know, young guy wants to get a sports car, so he buys a used 1947 Delahaye sports car. Drives it around for a year and a half or so, and something in the drivetrain breaks down, an axle or something differential. Anyway, so he says, well, I’m going to fix it. Then he gets married and has a couple of kids, and money’s tight. So the Delahaye, which he intends to repair, goes in the garage. Meanwhile, the good car, back when they only had one car, always sat out in the driveway. So for a couple of years, and his wife was always saying, Why don’t you get rid of that thing? It’s just taking up room. There are good cars out in this. Anyway, they moved two or three times, and every time they moved the Delahaye with them, and every time they moved the Delahaye, they had to put in the trailer, and his wife was always complaining. Anyway, 1980 rolls around. He’s doing well. He’s got his own contracting business. He’s got some extra money. So he has somebody start restoring the Delahaye, and his wife’s complaining because every year he’s spending $5,000, $6,000, $7,000 to… putting money into the Delahaye. And this went on for five years. So he tells me he put about $50,000 into the Delahaye between 1980 and 1990. Anyway, he then starts taking to classic car shows, including the Concours d’Elegance in Pebble Beach, California. Takes first place. Wow. That means it’s a very, very, very nice car because you can’t win those with it not being.
SPEAKER 17 :
It’s perfect. It’s basically perfect, better than it was new.
SPEAKER 15 :
Right. And anyway, so he won every award you could possibly win, and he was paying insurance, was taking approvals. So he finally sells it in the year 2000 for $350,000, which in today’s dollars would be $700,000. And this is the car his wife, every time we got together at a family deal, his wife would always complain about, That damn car in the garage.
SPEAKER 17 :
Yeah, that’s one where you should have just kept it.
SPEAKER 15 :
And he did, obviously, and he put $50,000 in, and then he winds up getting $350,000 and $2,000. So that’s his 50-year classic car story. What’s the car worth today, do you think? Well, again, if it sold for $350,000 in 2000, just that for inflation, John, maybe three-quarters of a million. I mean, he doesn’t have it now, but if it was today, I’m guessing probably $750,000. I could probably go on, what, Hemings Motor News and see what they’re going for.
SPEAKER 17 :
Yeah, you’d have to look. And that’s where even we were talking during the first hour. That’s where you really got to keep checking because some of those cars will peak also depending upon demand. Now, that’s a very unique car. that’s a little bit out of the ordinary to where it’s probably going to keep going up in value just because there’s not that many of them around. But that’s one of those things for you guys listening that have classic cars. It’s something where it may be worth X today, and quite frankly, a year from now, it may not be. There are peaks in those cars just like there is in art, Joe, where some art pieces because of the demand and whatever, and then people pass on, and the next generation may or may not like that. The same thing happens in the car world.
SPEAKER 15 :
John, maybe in the next couple of minutes, I’ll try to find a picture of the Delahaye and send it to you in the email.
SPEAKER 17 :
Oh, perfect. Oh, I’d love it. That’d be awesome, Joe. Appreciate that very much. All right, take care, Joe. Thank you, Joe. Appreciate you very much. And, all right, yeah, we are live at the Red Lion Car Show, Loprino Foods, 1830 West 38th Street. Myself, Steve Horvath from Geno’s, Paul Inigro from Group Insurance Analysts. Come on by, say hi. We’ll be back here in a moment. Don’t go anywhere. Drive Radio, KLZ 560.
SPEAKER 14 :
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SPEAKER 11 :
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SPEAKER 14 :
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SPEAKER 1 :
Thank you.
SPEAKER 17 :
All right, we are back. Drive Radio, KLZ 560. Lines are open, by the way, 303-477-5600. Myself, Paul, and I grow from group insurance analyst here with us today. Steve Horvath from Geno’s as well. Meeting people that we talk to on a regular basis that are rolling by. Chris, who’s a regular caller, just talked to him for a few minutes. And I always enjoy being out and meeting people. It’s always a lot. In fact, that’s what makes these the most fun. Yeah, the cars are great. The food is great. But meeting people face-to-face, Paul and Steve, It’s just something about that you just don’t get otherwise.
SPEAKER 03 :
My shop’s, what, 20 miles away? Yeah, and people are still rolling by. I’m talking about you. Yeah, they’re still coming from that far away.
SPEAKER 17 :
That’s right. That’s what’s great about it.
SPEAKER 03 :
It’s awesome.
SPEAKER 17 :
Let’s see. John and Cheyenne, you’re next. Go ahead.
SPEAKER 07 :
Hey, I can smell the sausage and peppers from here. There you go, all the way up there. My 11 Ram, 4.7. If I let it sit. For three or four days, it doesn’t want to start. It’s like the old days when you had a carburetor and you had to pump up the pressure again. Once I get it running, it’s like it’s okay. Oh, go ahead.
SPEAKER 17 :
So here’s a trick. Next time you go to start it, instead of just starting it, cycle the key. So go to the on position, turn it off, go to the on position, turn it off. Do that about three times, three to four times. Then start it and see how it does.
SPEAKER 07 :
Okay. And if it works, then what is it?
SPEAKER 17 :
And if it starts well, fuel pump’s getting weak.
SPEAKER 07 :
Okay. And that rammed fuel pumps in the tank.
SPEAKER 17 :
And before somebody corrects me… It’s not just that it’s getting weak. There’s also a check valve in there that doesn’t allow fuel to come back in that keeps things pressurized. That could also be going bad. Bottom line, if that works, it needs a fuel pump.
SPEAKER 07 :
Okay, and the fuel pump for that is the same.
SPEAKER 03 :
Just in case, what kind of plugs do you have in there? Go ahead. What kind of plugs do you have in there? Spark plugs. Have you done them?
SPEAKER 07 :
Yeah, I’ve done plugs on it twice, and they’re all E. Okay, good. I just want to make sure they weren’t all worn out. So that’s all.
SPEAKER 03 :
Oh, no, no.
SPEAKER 07 :
We did plugs twice on it. Okay. Okay. So 16 ridiculous plugs in that engine.
SPEAKER 17 :
Yeah. And I know you. You’re good about your maintenance and stuff. So, yeah, in this particular case where that’s becoming an issue, and I know it’s high miles. I already know that answer. For everybody listening, I know that answer as well. So, yeah, I always get, you know, and I love all of you, and I appreciate this, and I’m never upset when somebody says, hey, you know, for that last call or try such and such, but I’m always careful now that, I cover all of my bases because, yes, it could be that it’s just the check valve end of things going bad. But in your case, as we were talking to the last caller with the fuel pump, it’s a module, John. If you replace it, you’re doing the whole thing anyways. Yeah, and you know what?
SPEAKER 07 :
I don’t have a lift, so that will go to the mine mechanic to fix if that’s what it is.
SPEAKER 17 :
Well, you know, really quick, you can always cheat, which a lot of guys do. In fact, even in our shops back in the day, we didn’t pull the tanks on trucks. We pulled the beds. It’s four bolts, and you slide the bed back with two guys, and then the top of the tank is right there. So that is one way to do it as well, John, where you don’t have to drop the tank. I’ve never done it that way, but I’ve heard it. We used to do them all that way. We rarely pulled the tanks. Really?
SPEAKER 03 :
It’s faster to pull a bed. Okay. Well, and you’re taking less apart. All right. Less things to break.
SPEAKER 17 :
Yeah, and on a gas tank where there’s all the straps that get rotten and rusty and so on, the bed bolts are always pretty easy. Now, you need two guys to be able to do that because the beds are a little heavier. But you don’t take the bed all the way off. You just slide it back. You take a piece of 2×4 and put it on the bumper and set the bed up on the 2×4 and just get it back enough to see the fuel pump, change the fuel pump, put the bed back on, and off you go. okay that’s something I could think about I have a question for Paul if he’s still there about uh insurance really quick before we go to that too John before I jumped up so one other secret on pulling the bed and this is something that a lot of young people don’t know but you know the tailgate comes off that truck right yep You put it in the right position slightly. So before you do this, you take the gate off because it’s one of the heavier parts, believe it or not, of the whole bed because the rest of it’s just sheet metal. The gate’s the heaviest. So you take the gate off first. Then you take the bed back and slide it off. Makes it a lot less heavy doing that for two guys and leaving the tailgate on.
SPEAKER 07 :
Yeah, I still think it’s going to be 64 next month. I might just have the guys do it.
SPEAKER 17 :
All right, so for all of you that maybe want to do that yourself, that’s how you would do that. But go ahead, ask Paul your question.
SPEAKER 07 :
I’ve got VA benefits, and I’m going to be 65 in a year. Do I have to have a Part B with Medicare if I get my benefits through the VA?
SPEAKER 09 :
No, you can just go to VA if you’d like, or you could do both. That’s up to you.
SPEAKER 07 :
If I have both, Medicare and VA, can you opt out of the Part B? No, you can opt out of it. You’re going to automatically have Medicare Part A.
SPEAKER 09 :
And there’s no premium for that. Okay, if you opt out of Part B, then you’re just going to have your Part B benefits, that care through the VA and VA only.
SPEAKER 07 :
Okay. Well, thank you. That answered my question. I was going to call earlier, John, but I was outstaining myself.
SPEAKER 17 :
No, you’re fine. No, great question. No, you’re still fine. Not a problem at all. Not a problem at all. All right.
SPEAKER 07 :
Thanks, guys.
SPEAKER 17 :
Have a good day. You bet. No, John, thank you very much. Thank you, Paul, as well. And, again, for any of you listening that you’ve got a question on anything insurance-related, could be house, could be auto, could be… As we were talking to John, it could be the medical sides of things, Medicare, things like that. If you’ve got a question at all, please, Paul’s here. We don’t always have him with us, so take advantage of this day where we have him with us and call in if you’ve got a question, 303-477-5600. All right, we’re going to take a quick timeout. We’ll come right back. This is Drive Radio, KLZ 560.
SPEAKER 16 :
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SPEAKER 02 :
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SPEAKER 12 :
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SPEAKER 14 :
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SPEAKER 17 :
All right, we are back. Drive Radio, KLZ 560. Thanks for joining us today, by the way. We appreciate it very much. And we are out at Loprino Foods at the Red Lion Car Show. More people rolling in. Cars, I doubt there’s too much room for many more cars. If you’ve got a car you’d like to enter, I guess you could drive it over and just see. But I think we’re pretty full. I look around, and there’s not too many open slots for cars to fill in. So there might be a couple of little openings here and there, but they’re pretty full at this point. And that’s where we’re at today, doing the remote broadcast from Steve Horvath from Geno’s Auto Service joining us today and helping out on our calls and all of that. And, again, lots of people, by the way, have stopped by and said hi to Steve. As he said earlier, he’s a long way from here with his shop and has still had a lot of people come by and say hi and thank Steve for all the work that he’s done for them. And Paul and I grow from group insurance analysts with us as well. And as I said before we went to break, if you have any kind of a question at all, including questions, insurance, by all means, ask us. We’ve got Paul here. We don’t always have him at our disposal to get direct questions answered. So if you’ve got a question, by all means, call us and we’ll get it answered. Gint, you’re up next. Go ahead.
SPEAKER 05 :
Hello?
SPEAKER 17 :
Hello, Gint.
SPEAKER 05 :
Hello. Yes, sir. I sent you the email inquiring about a pre-purchase. To detail this, John, You spoke last week about the conversation where the guy comes out and says, what kind of payment are you looking for? Yep. And then you gave advice from there on how to handle it. I plan on paying it off. As soon as I can. Okay.
SPEAKER 17 :
And for everybody listening, and this is one of the questions that I had two, believe it or not, I had two or three inquiries of this this week. So it’s amazing how some of this just triggers different questions and so on as I talked about that last week. For those of you shopping for cars, and I was just talking to Chris. From Littleton a minute ago, he stopped by and we were talking. And keep in mind that this is one of the best times of the year to buy a car. They’re cycling through the old model year, 2025s. 2026s will be coming out in the not-too-distant future. Used cars, by the way, are affected by what new car sales do. So this is across the board, buying new, buying used, especially when you’re talking to the dealer. end of things this is true even on the used car sites the dealers all of them including used car dealers will make some money back it’s a kickback if you would a rebate on the interest that is going to be charged to you for the loan that you buy when financing so you can typically and it’s almost without exception you can typically get a better deal on a car financing it through whatever company they’re using because they’re getting a kickback on that. They can factor that into the price of the car. So I’ll be straight up honest. The last thing you should do when you walk in to buy a car is say I’m paying cash. You’re actually going to most likely pay more money for the car paying cash and using that terminology than to just say, yep, I’m going to finance the car. typically get to your point the next question is going to be so what payment are you looking for well in your case where you’re going to pay the car off in the next you know 30 60 90 days whatever works for you reality is you don’t really care so the answer is you know what i don’t really care i can afford any payment you’ve got it makes no difference just you know you tell me what you’ve got and we’ll make the deal work I’m more and this is word for word what you should say I want to know what the bottom dollar cost for the car is not what my payments are and by the way that should be true no matter whether you’re buying a car on payments or not what is the total cost of the car going to be for me okay that’s what I was looking for
SPEAKER 05 :
That’s perfect. Now, here’s another thing really quick. Go ahead.
SPEAKER 17 :
Here’s another tip for you and everybody else listening. And dealers don’t like me saying this, but I’m going to say it anyways. Let’s say you walk in and you’re going to buy a new car. And we’ve already been through this little spiel. One of the things they’re going to ask you is, do you have a trade? Because they’re going to factor the price of that car differently if you have a trade versus if you don’t. So here’s my advice on that. No, right now I don’t have a trade. And by the way, I’m not lying, because right now at this moment I don’t have a trade. I want to know what’s the bottom dollar of this car going to be. Then when I’m done with all of that, you know what, I think I might think about trading in my whatever. And then you can throw that in. And where I’m going with this is then you get a real true picture of what they’re giving you for your car, and you can do the math on should I sell it myself or should I actually go ahead and do this trade. You’ll know then what they’re really valuing your car at after you do it that way versus saying, yeah, you know, I need this payment and I’ve got this trade and blah, blah, blah, which is what most people do when they buy a car. Use my method. You’ll save the most money.
SPEAKER 05 :
Thank you. This is excellent advice. One more question, if you’ve got a minute. You bet. Go right ahead. Absolutely. It’s a 2014 Toyota Tundra SSR, I think it is. It’s the crew cab version. Now, I can’t find anything used about that year under 160,000 miles. I’m not surprised.
SPEAKER 03 :
Yeah, I’m not either. It’s a good vehicle. Yeah.
SPEAKER 05 :
yeah they are good vehicles but the uh the price he’s asking is 21 000. um i’m gonna go crawl under the vehicle now it’s a used car lot that i keep going back and forth to looking at these toyota pickups okay uh and really quick getting this again for everybody else’s info as well given it’s a used car does it and this is not
SPEAKER 17 :
I’ll clarify this in a moment, but does it have a Carfax on it, and is it clean? I’ll say in a moment that that doesn’t mean a whole lot, but it’s a good starting place. Does it have a good Carfax?
SPEAKER 05 :
Yes, I saw it.
SPEAKER 17 :
Okay, now, one thing to look at, for those of you who are saying, well, why is Carfax not a good, well, because not everybody that does things to a car register with Carfax, including people that do their own oil changes and things like that, like me, for example. If you bought one of my cars, outside of me buying it from the dealer, it’s not going to show any maintenance on the vehicle. Because I do all my own and it’s not going to show up on the records. It doesn’t mean it’s not maintained. It’s just not showing up. So it’s not always bad when there’s gaps in maintenance. You just have to ask the question. And you can typically look at the vehicle and know whether somebody’s done that maintenance or not. But the one thing Carfax will tell you is where was it bought, where was it registered, did it have any major recalls performed, when was it bought again and re-registered, how did this car lot acquire it, did it come through auction, did they get it from a local dealer, things like that. Those are things you look at on the Carfax to kind of tell you the history. And one thing that I’m always critical of, and this is advice for you and everybody else listening, if this car came from any of the Rust Belt states or back east, pass. Was it in a flood? Yeah. Was it from down south? Yeah. Recently, was it in Texas, Kent? And now it’s here. Pass.
SPEAKER 05 :
Okay. Now I know what to look for on the Carfax. I glanced for body damage and wrecks. Okay. Okay. I started out interested in the Chevy Silverados up to used again up to about 2021. And the mechanical issues they’re warning me about on the Internet, rear-end transmission, software issues.
SPEAKER 17 :
Yeah, don’t worry about that because every company has issues. It’s more on a used car of how well was that car taken care of and maintained. And keep this in mind as well, that if you look at the amount of repairs that would happen on either a F-150 or a Silverado versus a Tundra, keep in mind there are, and this is not an exaggeration, there are four if not five to one sales of a Silverado versus a Tundra and an F-150. to a tundra so naturally you’re going to have as a grouping more repairs on f-150s and silverados than you do on tundras because there’s a sheer just just the fact the numbers alone are going to create that okay man now that changes my whole trajectory i mean would i would i not buy a used silverado i’m driving a silverado if that tells you anything As am I. As we speak. It’s like any car. Yeah, I mean, when you’re talking used cars, this is everybody listening. I don’t care if it’s a GM, if it’s a Ford, if it’s a Toyota, if it’s a Nissan. I don’t care what it is. The reality is who owned the car prior to me? Where did it come from? What’s been done to the vehicle and so on? That is far more important on a used car than what it is and who manufactured it. Because the maintenance, and I know a lot of guys are going to say, well, it’s a Toyota. It’s bulletproof. No, they’re not. They can all have issues if not maintained correctly.
SPEAKER 05 :
Yes, especially listening to your show, I hear that. And I’ve seen it.
SPEAKER 17 :
I mean, this is, you know, I, Steve, others, I mean, we eat, breathe, live, you know, sleep, drink, all of this stuff. We see this stuff on a daily basis, and I just can’t stress that enough to people. One of the things on the Internet they’ll never tell you is, You know, this is Consumer Reports and everybody else. They don’t get into the sheer numbers in certain cars and certain makes of cars and so on and how many are made versus the other one that may not have as many problems. Well, you know, for example, on Tundras, when you’re building, you know, 200,000 of them roughly every year versus, you know, It’s close to a million for Silverados and the GMC counterpart and the F-150s. I mean, that’s a huge difference in the amount of cars being produced, models being produced, you know, from one to another. So, of course, you’re going to have more repairs and more things coming out on the F-150s and the Silverados than you would a Tundra.
SPEAKER 05 :
Okay, that makes good sense. Well, John, I’m glad I called you.
SPEAKER 15 :
Yeah.
SPEAKER 05 :
I’m glad I called you. We have to get down there for our sausage sandwich.
SPEAKER 17 :
Yes, you do, Garrett. Yes, you do.
SPEAKER 05 :
Thank you.
SPEAKER 17 :
Absolutely. Absolutely.
SPEAKER 05 :
I’ll let you roll.
SPEAKER 17 :
Jerry, I’ll tell you what. So I can give you plenty of time. Let’s hang you over to the top of the hour. I’ll give you plenty of time that way, Jerry, because as we close out here during this hour, I just want to recap on this. the used car thing for just a minute this is something else that you should be doing and this is where i want to involve paul also depending upon the car the make the model the year what it’s equipped with and so on find out what your insurance is going to be prior to purchasing it to know okay if i buy a model versus b model is there any difference in the insurance sides of things because there might be am i right paul yes and it may not be significant depending on how old the vehicle is versus a newer one
SPEAKER 09 :
It’s still worth checking out, too. And as you said, check Carfax. Make sure it’s not a salvaged title as well.
SPEAKER 17 :
Yeah, if it is, stay away. And I know some people are going to text me and tell me, oh, there’s nothing wrong with buying a salvaged title vehicle. I would personally never own… a salvage title vehicle my wife and i we were looking at some car the other day on the internet and i’m like why is that car so cheap because it was like man this is like half price of what it ought to be uh salvage title yeah rebuilt title it’ll say something along those lines rebuilt title you know salvage title something along those lines and yeah personally i don’t care what the accident was i don’t care who rebuilt it i don’t care how nice the car looks here’s the reality on salvage title cars They’ll never bring the full money down the road, and sometimes insurance can be a factor.
SPEAKER 09 :
Well, we can’t insure the property on it. They can get liability, but no comp or collision.
SPEAKER 17 :
Which, if you’re spending a bunch of money, even if it’s $20,000, $30,000 for a salvage title vehicle, I’d want full coverage at that point.
SPEAKER 09 :
Exactly.
SPEAKER 17 :
Things to think about. We’re live again at the Leprino Foods, I should say, 1830 38th Street. It’s the Red Lion Car Show. Come by, say hi. Two hours left of Drive Radio. Don’t go anywhere. Myself, Steve Horvath, and, of course, Paul Inigro from Group Insurance Analysts. We’ll be right back. Drive Radio, KLZ 560.
SPEAKER 10 :
Still haven’t had enough? Go to drive-radio.com. Email your questions and comments. Download previous programs and find lots of useful information, including your nearest Colorado Select Auto Care Center. That’s drive-radio.com. Thanks for listening to Drive Radio, sponsored by the member shops of Colorado Select Auto Care Centers. On KLZ 560.
