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In the absence of a flair system on lemmy yet, letβs try to make it easier to scan through posts by type in here by using tags:
Uhhh... I pay less than that per YEAR for insurance on two motorcycles. Fuck cars, indeed.
I care about what kind of car i drive and all of mine are broken because they're old garbage.
Sorry, the best "for you and your future"?? OUR future
What commonly goes unsaid in these conversations of insurance cost is the immediate disputes that occur with the provider.
Why am I paying tens of thousands a year to engage in an argument when making a claim?
I was once rear ended at a red light. I was knocked unconscious and the driver drove off. A few kind witnesses called police who took a report. They got half his plate imprinted on my bumper, but never tracked him down. I had State Farm, and I was even paying extra for the "uninsured driver coverage". They said they couldn't cover it because until they had another driver's information I was automatically at fault, even with the police report and witness accounts. They said it didn't count as uninsured driver because it's possible the guy had insurance. I was flabbergasted.
In the end I had a concussion and needed to take time off work for recovery and my short term disability insurance ended up suing State Farm because they didn't want to pay for my medical treatment. State Farm agreed to cover medical care but only if it was recorded as my fault and I paid my deductible. In anger I tried to switch insurance companies but found out they have a shared database and since it was recorded as a hit and run my fault, nobody else would take me. And State Farm jacked my rate up 30%...
You are not kidding!
I got a motorcycle and paid for insurance. When someone stole my bike and police caught the guy and put it in the impound, my scummy ass insurance called me to go see if it's okay? Like bro, that's your job.
Then they said if I was willing to sign a contract that the bike was fine without allowing me to see it. I said no.
Finally they gave up and wrote me a check for the cost of the bike.
Oh come on, Lemmy. I know I'm on c/fuckcars; but seriously - $600 a month for a new car sounds really good to me, I'm from Eastern Europe.
It's good because new cars are significantly more reliable, fuel efficient, safe and comfortable than 10+ year old cars. If you drive a lot and can't afford to pay $15k up front for a decent ~6yo car, then it's really not that bad. Much better than buying $600 rolling wreckage, I can tell you that much.
Yes people, I know you only use bikes and trains and whatnot. But some people neee cars, and you have to respect that. Or are you gonna tell this mother of 2, living in a village, working from office 20km from home, that she would be better off just sticking to the public transport which visits her place once every 2 hours.
This is for insurance, not the cost of buying the car. Yes some people do need cars because of their situation and the majority of people here can recognise that but to pay so much just for fucking insurance!
Oh, that's odd, I don't get it. It says average car payment per month, I thought it means it's the monthly loan payment, which is super fine.
$550 is about what I pay ANNUALLY for AC for my 2015 Mondeo.
But yeah, it would be close to $3000 annually if I wanted to lease any new vehicle.
Ah OK, I see what you mean. I thought you were referencing the title of the post as it mentions that his neighbour is paying x amount per month for insurance but you are right the image accompanying the post does say average car payment which would referring to paying for the actual car.
We were both concentrating on different parts of the post! You were right if referring to the image text, sorry.
A decent 7 year old car with 100k miles on it currently goes for about $15k. Everything private sale is a lemon, completely used up with over 200k miles, or 20+ years old. All still asking thousands more than they're worth.
Every used car I've ever owned cost thousands in repairs that were unexpected. Head gaskets, alternators, O2 sensors, intake manifolds, ignition coils, brake calipers, radiators, every fucking time. It's cheaper to just get a five year loan on a 2 year old car around $20k than to fuck with anything used.
Thats what I just did. Got a former lease, certified pre owned (so some semblance of a warranty) and half the price of new. Things got every option and even self drives on the highway
Same here. Certified pre-owned brings (or at least brought) price down for luxury cars down to about the same as the cheapest barebones brand new car for me. Less than a year till my car is paid off now.
Don't like needing a car but if I'm going to have one I will damn well be comfortable and not sore from driving to/from work.
This was the best thing about living in New York. No need for a car. No expenses paid in car payments, gas, or insurance. People claim that New York City is expensive, and rents are certainly higher than most places, but you end up saving so much money just on the cost of owning a car alone. Overall, the cost of living for me was much cheaper in New York City than it is now in Orlando.
I wish I had the resources to go back.
I live in a major city with decent (not excellent, just decent) transportation.
Yokels from small towns talk about how "expensive" it is until I ask them how much they pay for rent and food. And it always surprises them theyre paying the same damn amount thanks to inflation.
Eh... Used to live in the city in a 500 sq ft condo built in '75 and similar units would be rented for the same price I'm paying to rent a 900sq ft apartment built in 2014 in a small town with all services one could need... Bonus, I don't need my car to do the groceries because it's 2 minutes door to door from where I live now compared to 5 minutes in my car when I was at the condo.
Insurance varies a lot with what you drive, where, amount of coverage, and history of driving.
Mine is around $800/year and I drive nothing to brag about. (Well, except cost of ownership and safety record. Knock on wood). But my partner pays more because they have more coverage and a newer car worth covering.
But if you think $350/month is high, let me introduce you to private health insurance. π
I suppose that does depend on what kind of coverages you have, bare minimum liability vs. full coverage, etc. $350/month just for auto still sounds insanely high, though!
Oh yeah, not disagreeing with that!
I'm actually looking to move from owning to leasing a car because it's been false economy. The maintenance costs and stress have been so high as to make it cheaper to pay a few hundred quid each month.
I'm not familiar with UK laws. Is the lease bundled with insurance?
Or separate thing?
Not inherently. I have the option of having the lease company handle insurance, but it's much more cost effective not to.
Assuming you begin investing at the age of 20 and invest $554 per month for 45 years at a 6% growth rate, you would yield 1.4 million. Definitely not MILLIONS.
And then you add the inflation and you actually just owe money. Got to get that third job at 65