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gav (2710)

gav
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http://www.estey.com/
AOL IM: flufflegavin (Add Buddy, Send Message)

Hacker in NYC.

Journal of gav (2710)

Friday June 06, 2003
09:47 AM

depressed

[ #12659 ]

This week I thought I would be joining the ranks of new car owners. I had enough money for a good down payment, the deal was good (0% finance for 60 months), and I was going to be the proud owner of a new Saturn. My aging '93 SL1 has 148,800 miles on it now and it was time for something better.

All I needed to do is check to see how much my insurance would be. The increase would be from $108 to $322 a month, nearly 30% more than the car payment would be. Assuming I own the car for 60 months and insurance rates not going up, I would pay 15% more in insurance than the car was worth. Does the insurance company figure my chance of writing the car off in that time to be 85%?

It looks like I'm not going to have a new car :(

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  • hrm. (Score:2, Informative)

    #1 where do you live? I know that Delaware's car insurance is like HALF of what Jersey's is, which is one of many reasons I moved here.

    #2 What about switching insurance companies and getting a better estimate?
  • Sounds like you live in an high insurance rate area, and you've picked a very desirable car. I took a look at the Saturn Ion-3 site you pointed out and the cool doors and the cool-looking instrument cluster make for a car the theives would love to get their hands on.

    Sounds like a Corolla is in your future. :)

    (I drive a Ford Taurus wagon, BTW).