Is this the beginning of the end for my 200? (7 Viewers)

[bjowett]

You got me. 2013 and prior model years can be converted to the LC full time case, or the muti- mode Sequoia case. Unfortunately, the 2014+ uses a Borg Warner case that has no AWD variant, and no one has yet tried to back date to the Aisin units.

 

[AFdude]

^I agree that the non-full time 4WD is a huge detractor for the Tundra.

While I get your points for why you may trade in your 200, the Tundra is just not in the same realm of quality and capability as the 200. Though it is a pickup. Apples to oranges.

In regards to a built 100/120 series. A stock 200-series in my mind is way preferable to a built 100/120 series.

I'm trying very hard to look at this through the most practical lens as possible. The flagship quality in the 200 speaks for itself. Cant be duplicated.

Should I convince the wife to find used 4wd Tundra instead and just keep the 200? That's the same practical side of me talking as is the one that sees a possible debt reduction... It's hard to not be emotionally involved with the 200 though.

 

[TeCKis300]

It's hard to not be emotionally involved with the 200 though.

Ain't that the truth! To the point that we're showering "her" with presents all the time.

 

[Markuson]

Strictly from a financially question?
-I think it is very tough to justify a NEW Toyota...maybe ever.

If you buy a NEW one? Good for you, and more power to you.
But I think anyone would be hard pressed to argue it is truly a better financial move to buy new vs. an excellent used one.

 

[AFdude]

Strictly from a financially question?
-I think it is very tough to justify a NEW Toyota...maybe ever.

If you buy a NEW one? Good for you, and more power to you.
But I think anyone would be hard pressed to argue it is truly a better financial move to buy new vs. an excellent used one.

The 0% and discounts on the new make it in the realm of possibility though.

Another idea I had is buy back the Tundra and keep the salvage title. It only had 9k miles on it. Assuming we have a settlement; pay off the 200.

Trick to that equation is convincing the wife to drive the Tundra again without having the emotional scarring from the accident shine through.

 

[Markuson]

The 0% and discounts on the new make it in the realm of possibility though.

Another idea I had is buy back the Tundra and keep the salvage title. It only had 9k miles on it. Assuming we have a settlement; pay off the 200.

Trick to that equation is convincing the wife to drive the Tundra again without having the emotional scarring from the accident shine through.

That Tundra kept her alive in that accident. Might be a thought that carries some emotional appeal, and for legitimate reason...though I don't know the accident's details...

 

[AFdude]

That Tundra kept her alive in that accident. Might be a thought that carries some emotional appeal, and for legitimate reason...though I don't know the accident's details...

That's a great way of looking at it.

The guy that hit her ran a red. No skid marks at the scene so he must have been distracted or on a suicide mission. He ain't dead (or injured) so it looks like texting and driving. He was also arrested at the scene for not having a license since 2008. Read: possibly here illegally, yet he still has insurance. And of course it's a 'fly by night' local place that's saying they're not liable. Enter the lawyer. Our case looks good.

As aggravating/frustrating as it is being that my wife was injured by a possible illegal alien that somehow has insurance, (wife immigrated from Australia - LEGALLY) we are destined to come out on top. I can't say enough good things about USAA though. They've really gone above and beyond in taking care of us.

 

[Markuson]

That's a great way of looking at it.

The guy that hit her ran a red. No skid marks at the scene so he must have been distracted or on a suicide mission. He ain't dead (or injured) so it looks like texting and driving. He was also arrested at the scene for not having a license since 2008. Read: possibly here illegally, yet he still has insurance. And of course it's a 'fly by night' local place that's saying they're not liable. Enter the lawyer. Our case looks good.

As aggravating/frustrating as it is being that my wife was injured by a possible illegal alien that somehow has insurance, (wife immigrated from Australia - LEGALLY) we are destined to come out on top. I can't say enough good things about USAA though. They've really gone above and beyond in taking care of us.

Glad to hear they have gone above and beyond. Illegally here, and yet issued insurance. I guess it's good they had insurance, but would have to agree that at best, it's an odd way of conducting immigration controls (or lack of)...

 

[AFdude]

Glad to hear they have gone above and beyond. Illegally here, and yet issued insurance. I guess it's good they had insurance, but would have to agree that at best, it's an odd way of conducting immigration controls (or lack of)...

The lawyer thinks we're going to find out soon if his policy has a clause about being a licensed driver. He said it's how a lot of insurance companies around here sell policies to illegals. And here in TX you need insurance to register/inspect a car, not a valid DL. Weird.

So if it goes that way then the uninsured policy kicks in. Sucks that my own insurance company would be on the hook for his negligence though.

 

[AFdude]

The check for the totaled Tundra came in Friday. Yesterday, (Saturday) we were at the dealer...

I picked up the wife's new 1794 Tundra 4x4 yesterday. Very nice truck. BTW Tundras are 0% right now through Toyota Financial.

So things got a little dicey yesterday during the negotiations. Of course, being the habitual car buyer that I am, I left the trade out of the equation until the numbers were right. Also, if any of you have USAA, use their car buying service. The price came down $3600 from sticker and yet the dealer went out of their way to beat it by $2k! All of a sudden I found myself staring at numbers that led me into thinking the LC doesn't need to be traded. I then told my friend (sales guy) that I would like to consider my LC for trade. They came back with $44,612! That's sale or trade and even gave me a certificate good for 7 days. Guys, I was expecting around $38,000. This is for a '13 that would be returned to stock and at 75k miles.

I decided to do the deal WITHOUT the LC trade. I can't help but to let the gears start spinning in my head on my newfound equity in the LC. I just got it last September and didn't put too much down so I was expecting to be upside down, possibly. Now about $5k 'in the black', my eyes started to wonder... There was a TRD pro 5th gen 4runner on the floor. I went and sat in it and started having flashbacks of my 5th gen. It was a great rig but I felt I was being repetitive... I did that with my 2 FJ Cruisers before although I had 2 years of other ownership in between. Nothing wrong with them - just started to feel stale.

Then my friend asked me if I've been in the new Tacoma. We walked out to a Quicksand TRD Off Road and took it for a spin. It's a nice little truck. A lot of trickle down tech from the higher end models. Smart key, BSM, JBL Stereo, etc. The suspension was pretty good for stock and I could see the truck being a fun overland build. Plus, the aftermarket is beyond strong for that truck... and less expensive. For s***s and giggles I asked him to work up the numbers and we are looking about $30k out the door, factoring my trade & at 1.9% (USAA). I'm no finance major, but it seems that I could potentially save around $3k in finances charges over my current rate of 4.9 on my LC.

I didn't do the deal since it's quite impulsive figured I would take a few days to sort it out. Anyone want to talk me off the ledge? Having the 1794 Tundra for mild off-road/road trips/trailer hauler and the Taco for my DD, and full overland build? Just thinking out loud here. Obviously the taco is no 200. The moderate debt reduction would be semi nice though.

 

[mcgaskins]

The check for the totaled Tundra came in Friday. Yesterday, (Saturday) we were at the dealer...

I picked up the wife's new 1794 Tundra 4x4 yesterday. Very nice truck. BTW Tundras are 0% right now through Toyota Financial.

So things got a little dicey yesterday during the negotiations. Of course, being the habitual car buyer that I am, I left the trade out of the equation until the numbers were right. Also, if any of you have USAA, use their car buying service. The price came down $3600 from sticker and yet the dealer went out of their way to beat it by $2k! All of a sudden I found myself staring at numbers that led me into thinking the LC doesn't need to be traded. I then told my friend (sales guy) that I would like to consider my LC for trade. They came back with $44,612! That's sale or trade and even gave me a certificate good for 7 days. Guys, I was expecting around $38,000. This is for a '13 that would be returned to stock and at 75k miles.

I decided to do the deal WITHOUT the LC trade. I can't help but to let the gears start spinning in my head on my newfound equity in the LC. I just got it last September and didn't put too much down so I was expecting to be upside down, possibly. Now about $5k 'in the black', my eyes started to wonder... There was a TRD pro 5th gen 4runner on the floor. I went and sat in it and started having flashbacks of my 5th gen. It was a great rig but I felt I was being repetitive... I did that with my 2 FJ Cruisers before although I had 2 years of other ownership in between. Nothing wrong with them - just started to feel stale.

Then my friend asked me if I've been in the new Tacoma. We walked out to a Quicksand TRD Off Road and took it for a spin. It's a nice little truck. A lot of trickle down tech from the higher end models. Smart key, BSM, JBL Stereo, etc. The suspension was pretty good for stock and I could see the truck being a fun overland build. Plus, the aftermarket is beyond strong for that truck... and less expensive. For s***s and giggles I asked him to work up the numbers and we are looking about $30k out the door, factoring my trade & at 1.9% (USAA). I'm no finance major, but it seems that I could potentially save around $3k in finances charges over my current rate of 4.9 on my LC.

I didn't do the deal since it's quite impulsive figured I would take a few days to sort it out. Anyone want to talk me off the ledge? Having the 1794 Tundra for mild off-road/road trips/trailer hauler and the Taco for my DD, and full overland build? Just thinking out loud here. Obviously the taco is no 200. The moderate debt reduction would be semi nice though.

It's hard to give advice because (no offense) it seems like you're all over the place with what you're thinking about doing. You know as has been said ad nauseum here there is no replacement for a Land Cruiser, period. If you want a good Toyota 4x4 for less money, Tacomas and 4Runners are nice, but a brand new one of either is nowhere near as nice as even a nearly decade old 200. When I bought my 200, I paid cash even thought it's probably "smarter" to finance since money is cheap to borrow now, but I couldn't stomach the idea of a payment that was more than the first mortgage I had. It oddly felt a lot easier just to part with the cash up front and not think about it again LOL.

I am impressed they are offering nearly $45k (plus tax savings depending on your state) for a 13 with 75k miles. If it was me, I'd be happy with the strong residual and keep it, but then again I have vehicle ADD and might be enticed to switch - but it wouldn't be to a lesser Toyota 4x4...only thing I'd consider right now is a nice G550 or G63.

One last thought re: the guy who hit your wife. Very sorry to hear about that btw - having my wife injured in a car wreck is a huge fear of mine because she drives a Honda Civic and refuses to give it up even though I try to buy her an LC about once a week. If the person responsible is here illegally, I would MUCH rather illegal + insurance + detained at the scene > illegal + no insurance + fled the scene/can't find the guy. I think you're in as good of a spot as you can be in legally all things considered even though it still sucks big time. It's just good to hear that your wife is doing ok and the truck kept her safe.

 

[AFdude]

Vehicle ADD. That's a good way of putting it. It's way too easy to get the ideas flowing when you're amongst the deals that came down the pipe yesterday.

You're right about the great residuals. I'm pretty happy about that.

The wife is distraught about the accident still. Luckily she's forgotten about the arm with the new truck now. Ha.