Oh man, the Argonne calculator is a lifesaver-I plugged in a Prius Prime SE and it spat out like $1,200 net yearly from CA HOV/parking perks alone, assuming 50% electric miles. Super helpful for not inflating the tree. On the totaled question, I called my insurance guy (State Farm) about a hypothetical used PHEV with the $4k federal rebate transferred at sale-he said no clawback from IRS if it's already applied as a point-of-sale discount, since it's not a loan forgiveness thing. But if you took it as a tax credit on your return first, you'd have to amend taxes if you sell/donate early (within 3 years? Nah, actually the used credit has no minimum hold period per IRS site). Anyone had a real claim go sideways on that?
For cross-border stuff, if you're garaging in WA but registering in BC for work, Vancouver's CleanBC rebate ($2,500-$4k for PHEVs) follows the VIN registration, but US federal won't stack unless it's US-plated. My neighbor commutes Seattle-Vancouver in his Outlander PHEV; he got WA HOV but lost BC parking perks when he switched plates. Stacking's tricky-IRS says federal + state ok, but some states like CO claw utility rebates if you double-dip HOV.
One wish-I-knew: For used PHEVs, the dealer prints the eligibility letter from fueleconomy.gov right there (VIN decoder shows prior credit status via sales history). Bought mine sight-unseen online, dealer forgot, had to chase IRS form 15400 post-sale. Pro tip: Ask for it upfront!
Telematics tie-ins? Colorado's Vehicle Exchange CO program wants OBD data uploads for ongoing rebates, verifies >50% EV miles quarterly. Rare, but growing-anyone in utilities like PG&E doing that for their DRIVE Clean rebates? Helps decide if PHEV's worth it over BEV. What's your top PHEV pick for incentives?