So we keep our cars until dead and a friend of mine used to be a insurance agent said that they drop it after 5 years. My Toyota Corolla is 12 years old with 55k miles. We have a 500 deductible and pay 465/ year for collision. BB values are between 4600-6200 for good condition but I know from past experience you never get that from insurance if it’s totaled. They may decide it’s only fair condition, etc. What do you guys do?