Car Choices, Car Buying, Car Loans, Car Insurance
Car choice: Ok, again I have changed my mind. I got curious as to what kind of 2-door car I could afford, and lo and behold, the Scion tC. Well, the car kicks ass pretty much, and it's only a little more expensive than the fit I was looking at. Funny how I went from a $14k car to a $17k car and I'm now looking at an $18k car.
Car buying: Well, my brother is leasing a Camry from Toyota Center, which was a much better experience than Dick Dyer. My credit score is decent, but I'm not sure if I can get the car on my own. We'll see, I guess. With a down payment of almost half the car's worth, I'd think that I'm OK, but shit always happens.
Car loans: Well, I want to keep my payments under $250/mo so that I can afford to pay them off even if I went back to working minimum wage (full-time). That would tie in with insurance, gas, food, and the student loan, obviously, so yes, it needs to be as low as possible.
Car insurance: Holy fuck. When I got a quote on the Yaris, I was happy since the insurance wasn't that bad. Not so much on a Scion tC... $210? Liability is pretty much $500ish per six months, collision is the same. Everything else is just comprehensive and a few added items. Seriously, what the fuck? If I increase the collision deductible to $2k, it goes down to $168/mo... I seriously don't get this shit. My driving record is fucking spotless and yet I'm paying out the ass. The sad part is, State Farm pretty much gives me the cheapest rate. I could get a quote from Geico or elsewhere, but it'd still be fucking high as hell.
Insurance is a total joke. Don't get me wrong, I understand that I need it, but what the fuck? I'm 22 and I've never had even one blemish on my driving record. I even drive fucking state vehicles. Fucking bullshit, if I were married or at least 26 years old insurance would be cheap, even if I had a wreck or a ticket or two from when I was younger. I mean, really, think about how much $210 is. Quite honestly, that's almost the same amount I will be paying monthly on my car loan.$1,260 is more than I paid for a semester at MTC after the lottery funding, even after buying books. The thing is, if you ARE a good driver, and you NEVER get in a wreck, get a ticket, or get your car stolen, you still don't get that money back. Yeah, in a few years that shit will drop, but I won't get my money back for that shit, just because I fit into some category I don't belong in, with shit drivers who fuck up their cars because they're too stupid to actually be driving one in the first place.
At least the $2000 deductible only hits me if I'm at fault for a wreck.