Firstly, glad to hear that everyone is ok. That's the most important thing.
From experience the insurance company will factor in the mileage but in reality it's still a car that is 10+ years old and probably not worth that much. After about 7 years any car with low or high mileage is prone to some large expenses. I am assuming since it's a 1999, that you or the original owner bought in 1998.
From experience, I wouldn't tell the dealer that you are paying cash right away. In reality they don't make much on the mark up of the vehicle and rely on financing to make up for that. If you're paying in cash, then you don't need financing and they'll be less inclined to give you any deals. Try to hold out telling them this as long as you can.
I hope this helps.
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