You’re right there are two kinds of sxs owners. The kind that pay cash and keep them absolutely forever. Or the guys that finance them wreck them and let insurance take them back.
There are no clean cheap SXS’s. Any sxs for sale is for sale because whoever owns it is sick of constantly fixing it. The ones that don’t need constantly fixed will get held onto forever.
my first was an xp1k. never had insurance on a toy before, wifey told me its too cheap not to...
wrecked and fixed many times on my own, the last time i was ready to send it down the road. (everything is in my wifes name, i aint got time for the errands) my wife calls insurance and they write a check for 4k more than i payed for the damn thing off the showroom floor. i couldn't believe it (first thing i ever bought brand spankin new, and they didn't seem to like counting the 100 dollar bills) was also the first claim i've ever had on any insurance other than windshields. made me realize how the finance crowd can get away with it.
i didn't want the pos back no matter what, but asked for the buy back quote just to offer to friends to help get them into it. buy back was 9k
. i thought eff that take it, but one friend had to have it, so passed it on. he's already got more than that into it. what a mistake. i learned and now he has too, he still made money when he got rid of it.
so in 2019 i payed 15.9 for that brand new xp1k, insurance gave me that plus all title and tax plus a little.. 19k. buy back on the rig was 9k. then i bought a used x3 for 22k. its what i still ride and beat relentlessly.
another buddy has same as me and roll it 2 flips then later the same day tagged a tree. insurance told him we will total it and give you 30k, also we flat rate x3 buy back at 14k
, or we wont total it and give you 14k for repairs. clown world crazy, i dont get it, but thats what it is.
it now makes allot more sense to me how people get away with financing things. but also, hilarious how people think they deserve clean used shit at a price they can afford, when the buy back on a xp1k is 9k (over a year ago) and a low model x3 buyback is 14k from insurance... that means they are getting how much by the time they are towed off to a lot, stored, and hit an auction, plus auction fees???
yeah prices are crazy, but i cant imagine having my head so far up my ass that i think a seller is crazy for asking for more than i can afford. or that i'm entitled to what i want at a price my broke dick can afford. and then blaming the owners of the thing i want for my own issues.
imagine if op went to a dealer auction
i got no fucks to give for people like the OP. i hear crap like it daily. blaming others. i'm not offended by it, as he/she thinks, i'm disappointed.
if my sxs went to scrap tomorrow, insurance or not i'd be getting another next week. not financed. (my x3 i didn't have the fun money for at the time, my friends decided they did, they bought it for me. i didn't ask for it, cuz you dont ask for things you dont need, but 3 of them spkit the cost. i paid back in 4mo. me and mine, we invest in ourselves not banks. and i'd do the same for them now that i can) everyone thinks they can do better and nobody can.
i'm not rich, im self employed and make decent money, and believe we are here for a good time not a long time.