It depends if you're one to trade every few years or keep your vehicles until they're worn out like me. Several years ago I bought a used F-150 and a year or so later we had a bad hailstorm that dented my truck severely. There was so much vehicle damage in the area that the insurance adjusters set of big tents in parking lots. I was worried that they were going to total my truck but instead they wrote me a check for nearly what I payed for the truck and didn't total it. It's still my daily driver with over 250,000 miles and some rust but the hail sure made it an inexpensive vehicle.
