Aren't insurance co's in general all crooks? Do you have collision on the 87TD?

I completed the NSC course. It was a bit tedious but worthwhile. I did learn a few things which I will put to use and change some of my driving habits to become even a safer driver. My first and only accident was within my first year of driving. I was dicing with a taxi cab on 2nd ave in NYC on cobblestone in the rain 1972. Light turned red and we jammed on the brakes, skidded and side swiped each other. I learned how slippery well polished cobblestone is. On asphalt we would have been ok. That section of cobblestone on 2nd ave (near the 59th st bridge) is now all asphalt.

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85 300D turbo pristine w 157k when purchased 167,870 July 2025
83 300 D turbo 297K runs great. SOLD!
83 240D 4 spd manual- parted out then junked

Just talked to Geico and confirmed that I will be getting $20 off my policy every 6 months for 3 years for taking the online NSC defensive driving course. You may want to check with your insurance co whether they offer the same deal.

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85 300D turbo pristine w 157k when purchased 167,870 July 2025
83 300 D turbo 297K runs great. SOLD!
83 240D 4 spd manual- parted out then junked

Some are & create contracts that should not be allowed to be sold. I hold the individual states and regulators accountable for the rules. Carriers simply figure out how to make money given the rules.

Premium charges come down to arithmetic. My 9 yr old son will be able to do the calculations next year when he better understands division ie claims per member or insured vehicle. Add in admin charge & you have the premium. Perhaps make an adjustment for other risk ie drunk, young reckless driver etc.

As far as having to park the car for a month, rates are charged on a monthly basis. Either you pay for and have coverage or you don't. It is a really simple concept. Many people would not buy coverage and then want a claim paid saying something like "I turned the coverage on for every other Wednesday - but only if it is sunny".

Back to the OP question. Do the calculations & take the course you will get value from it - otherwise, don't.

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85SD 240K & stopped counting painted, putting bac together. 84SD 180,000. sold to a neighbor and member here but I forget his handle. The 84 is much improved from when I had it. 85TD beginning to repair to DD status. Lots of stuff to do.