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Trapezoid

Help me decide if a car makes sence to us. Budget question

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Let me put things in to perspective for you. 

 

  1. Car registration $100/yr
  2. Insurance $1060/yr (full coverage)
  3. oil changes $50/yr
  4. tire rotation and balancing $50-70 (each oil change)
  5. License renewal $40 every 4 years
  6. Fuel $100/month depends on many factors
  7. Road Rage (25 years to life, depending on if it gets that far)

 

Thats approximately what I pay. Of course I’m leasing a car so it’s like 1 year old. Used cars are likely to need repairs. My dad spent $400 on front struts, which was a deal. He spent $60 on air conditioning recharge. Not sure how much the deductible was for when the tree fell on the Toyota. Also if you live in the city, parking could be an issue. In some areas you have to pay a fee. Some states require yearly inspections of you car to make sure it’s safe and follows environmental requirements. So if your exhaust system is on the Fritz’s then your required to fix it before you can drive your car. Michigan doesn’t have those requirements, which is why we have too many pieces of shit on the road that should be labeled unsafe. 


You ever notice that many establishments have a sign that as "No Shirt, No Shoes, No service"? They never say anything about pants............ You know what that implies. You dont have to wear pants. 

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1 hour ago, Donut417 said:

Let me put things in to perspective for you. 

 

  1. Car registration $100/yr
  2. Insurance $1060/yr (full coverage)
  3. oil changes $50/yr
  4. tire rotation and balancing $50-70 (each oil change)
  5. License renewal $40 every 4 years
  6. Fuel $100/month depends on many factors
  7. Road Rage (25 years to life, depending on if it gets that far)

 

Thats approximately what I pay. Of course I’m leasing a car so it’s like 1 year old. Used cars are likely to need repairs. My dad spent $400 on front struts, which was a deal. He spent $60 on air conditioning recharge. Not sure how much the deductible was for when the tree fell on the Toyota. Also if you live in the city, parking could be an issue. In some areas you have to pay a fee. Some states require yearly inspections of you car to make sure it’s safe and follows environmental requirements. So if your exhaust system is on the Fritz’s then your required to fix it before you can drive your car. Michigan doesn’t have those requirements, which is why we have too many pieces of shit on the road that should be labeled unsafe. 

Keep in mind that Insurance prices vary so wildly between regions (plus driver history) - The OP is only like 21, and comes from overseas, so his Insurance History is likely to be limited (or non-existent) - meaning he's likely going to be paying at the extreme high end of the insurance spectrum, outside of people with driving convictions.

 

In Ontario, he would likely expect to pay $2000-$3000/yr easily. Will he pay that where he lives? No idea - but I think people need to stop giving estimates for insurance, and simply tell the OP to pick a car he might consider buying (Eg: 2005 Camry), and go get an insurance quote on it.

 

Otherwise, I like your break down of regular items - though I must admit, unless you're doing it yourself, it's unlikely you'd pay $50/yr for an oil change here in Ontario. A really cheap oil change might be $20 or $30 for the shittiest oil change with no inspection. And you definitely want the car inspected on a somewhat regular basis (every time you change the oil is a good opportunity).

 

Preventative maintenance is the best way to keep a car from becoming a massive money sink. You could - perhaps, do a single yearly inspection instead, if you're tight on money or trying to operate on a low budget.

 

Granted, my car is pretty new (2014, bought brand new, only owner), but I easily pay $200+ every oil change because it includes a full inspection, tire rotation (or change-over to Winter tires), etc. On the flip side, my car only needs an oil change every 15,000 km (~9,300 miles) - as it's synthetic oil. For example, my fiancee's 2006 Camry needs oil change every 8,000 km - but it's non-synthetic, so it's also cheaper.

 

Anyway, I still think the OP doesn't need a car, and they would be far better off just renting when they do need one.


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1 hour ago, dalekphalm said:

inspection

We don’t do inspections here. Also Synthetic oil costs a bit more. Doing it yourself it costs about the same as taking it in. It’s like $23 for the oil at the store + filter. 


You ever notice that many establishments have a sign that as "No Shirt, No Shoes, No service"? They never say anything about pants............ You know what that implies. You dont have to wear pants. 

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Didn't read comments but it sounds like you guys would want a gently used 2-4 year old Kia or Hyundai or Toyota for like $6000.  Only maintenance should be oil and tires and maybe brakes


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24 minutes ago, Donut417 said:

We don’t do inspections here. Also Synthetic oil costs a bit more. Doing it yourself it costs about the same as taking it in. It’s like $23 for the oil at the store + filter. 

Why don't you do inspections? How do you know if there are any issues with your car? Simply wait until something has a catastrophic failure?


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2 hours ago, dalekphalm said:

Why don't you do inspections? How do you know if there are any issues with your car? Simply wait until something has a catastrophic failure?

Because poor people can’t afford them so the state don’t require them. Most people put Jesus in the drivers seat. Hell people will be on the left lane of the interstate doing 90 and decide to exit, but just cutting across the entire expressway. Some times they cut it close. 


You ever notice that many establishments have a sign that as "No Shirt, No Shoes, No service"? They never say anything about pants............ You know what that implies. You dont have to wear pants. 

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7 hours ago, Donut417 said:

Because poor people can’t afford them so the state don’t require them. Most people put Jesus in the drivers seat. Hell people will be on the left lane of the interstate doing 90 and decide to exit, but just cutting across the entire expressway. Some times they cut it close. 

Oh you’re talking about some kind of mandatory inspection?

 

Only time you are forced to have an inspection in Canada is when you register a car after a sale. 

 

Owners are not required to inspect their cars. 

 

However, it’s stupid not to, and anyone who is thinking about buying a car should factor that cost into it. 


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When I was at that level of income I would ride a bike everywhere I could and occasionally used a zipcar. Cheap hourly car rentals solved a lot of problems for me, might see if anything like that is available in your area. 


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12 minutes ago, dalekphalm said:

Only time you are forced to have an inspection in Canada is when you register a car after a sale. 

 

Not even that is required by Michigan. Michigan doesn’t give a fuck about safety. They want the registration fee, they get kick backs from the insurance companies and they have use tax on fuel. So they allow like any piece of shit on the road. As long as the basics work like turn signal, brake lights and head lights your good to go. 

 

Also so people get around the insurance by paying for a month and letting it lapse. They have the card that says they have insurance as it’s sold in 6 month long policy. So if they get stopped by the cops they are good. Because it’s not like the state has direct access to the insurance company’s database. 


You ever notice that many establishments have a sign that as "No Shirt, No Shoes, No service"? They never say anything about pants............ You know what that implies. You dont have to wear pants. 

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31 minutes ago, Donut417 said:

 Michigan

Nobody in Michigan inspects their cars because they're just going to get eaten by killer potholes anyways. 


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7 hours ago, jake9000 said:

Nobody in Michigan inspects their cars because they're just going to get eaten by killer potholes anyways. 

So true. But she’s going to fix the damn roads........ LOL


You ever notice that many establishments have a sign that as "No Shirt, No Shoes, No service"? They never say anything about pants............ You know what that implies. You dont have to wear pants. 

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On 8/12/2019 at 9:43 PM, Dan Castellaneta said:

If you are a car person, you would be better off buying an older Corolla or an IS200 or whatever the fuck you could name off. If you aren't... maybe the peace of mind of having a warranty there if something does go wrong is worth the cost.

iirc they didn't state they are a "car person" exactly, but they did say they were happy to learn to work on them, so i think the recommendation of a better older car, a dead-on reliable one, has merit over a bottom of the barrel new car

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