I totally aggree with u, i feel the same way. i would have to think twice about it before dropping thousands of dollars on a 9-10 yr car. if my tranny ever die i would get a used one and sell the car asap and get a brand new accord i only have 87k miles right now.

at the time my friend got his accord there was no 7th gen accord so it didnt feel that old and the tranny die like a month after he got it so u can tell it wasnt taken care well and especially being a manual, u know kids abuse the manual tranny on every light. he had the money he work all his life, he had 3 diff accord n 1yr.

I have geico also (switch from allstate) but i dont have the plan u have, I wonder how much it would cost to have ur coverage here in nyc.