I went to the Ford dealer today. Going with the Ruby Red SE with all the extras. One of the members asked, "Who has replacement insurance?" The answer; Allstate. You can get it for up to three years after the purchase of a brand new vehicle. The insurance plays a tricky game with this. In order to total a car the damage has to be greater than 75% of the value. So, the more the car is worth, the less likely the insurance company is going to total it. That means they will rarely ever have to pay out replacement cost on a new vehicle. What saved my bacon was the salvage value of the Raptor (20K) along with 22K in damages. Allstate wrote it off as a constructive loss and will send me a check for the MSRP of a 2014 with the same equipment.