[rcboater]

My 2009 with 90K miles, in excellent shape has a trade-in value of arount $3500, with a private sale value of $4500.

If anyone rear ends me, I assume the insurance company will write it off as a total loss.

I am at the point in the ownership curve where the the car is worth far more to me than it is to anyone else. If this car was totalled, there's no way way I'd buy any $4,000 car with 90K or more miles....