This is Part 1 of a two-parter. Part 1 lays out the facts of my consumer experience. Part 2 will have business commentary.
I hit a deer recently. Fatal for the deer, smashed up the passenger side of my front bumper cover. I have collision insurance coverage, so I filed a claim with my carrier, USAA. Because of the long wait at their preferred shop, I decided to use a local shop. I sent in photos, and USAA valued the repair at $1447. The local shop quoted me very nearly the same price (without knowing what the USAA estimate was).
However, they also told me that I could cut $1100 off the price if I could source my own bumper--e.g., find something used at a salvage yard. That's not the kind of thing you usually hear from a car repair place, but it certainly made a good impression. I think partly they are a good, honest, reputation-valuing local company, and partly the parts-finishing work is labor-intensive and tedious, and not their core value proposition, in this time of labor shortages. So they have to charge a lot for parts-finishing, and would be just as happy to forego that work.
I did some poking around the internet, and pretty quickly found MBI Auto. Reviews on their site were good, and there was also this very detailed this positive review of a prior MBI Auto customer, with many similar positive experiences by commenters. MBI's prices were absurdly low. $290, shipping included, if I was willing to let them ship the bumper folded, $450 not folded. I get why folded is cheaper (bumper covers are light but bulky), but while $450 is still a very good deal, that difference seems huge--I would have thought folding was worth maybe a ~$50 savings in shipping.
Anyway, I did some research, and it sounded like folded was a decent bet. Many people said it was 100% fine, worst case seemed like it would have a little crease and a crack in the paint. But seeing as this new bumper cover is going to be the shiniest part on an 8-year old vehicle, I wasn't after perfection at any cost. I know from prior experience that the key to affordable auto body repair is not going after perfection--85-98% perfect will often cost 1/3 as much as 100%.
The cover arrived super-fast, faster than promised, a mere 5 days from when I placed the order (the local shop would have taken longer!). It was carefully packed, and took some doing to unfold it (they include instructions). Leaving it in a warm, preferably sunny, room for a few days is part of the program.
No issues with the product quality. I even asked the local body shop if they thought the part was sub-standard in any way, and they said no, perfectly fine. So by sourcing from MBI Auto, I cut my parts cost from $1000 to $300. Quite a savings.
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