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Financing for 17 year olds.
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You live in NYC right? Where public transit is very available (and not excessively pricey compared to the rest of the country)?
Why do you hate public transit so much? And, why, of all places, would you want to drive in NYC? Don't you have enough stress in your life?
As for sinking your entire paycheck into the car, I advise against it. What happens when the unexpected happens (ticket, accident, etc)?
Yeah, that's an apple to apples comparison.
The more you post, the more you seem to prove your parents right.
Lethal
You live in NYC right? Where public transit is very available (and not excessively pricey compared to the rest of the country)?
Why do you hate public transit so much? And, why, of all places, would you want to drive in NYC? Don't you have enough stress in your life?
As for sinking your entire paycheck into the car, I advise against it. What happens when the unexpected happens (ticket, accident, etc)?
I agree with that last statement. The one thing you can count on is the Unexpected happening. It sucks if you do not have the funds to cover it and have to struggle to get by.
I learn from experince losing 1k in college which was 50% of my savings at the time. That I could afford. It was 2 years later in my last semester that I was short funded and low and behold I got a speeding ticket. You have no idea how much it sucks when now you have to figure out where you are going to get another 100 bucks when you where already trying to figure out how you where going to get by.
Well, it looks like he wont be driving anymore if he gets a ticket since he doesn't have insurance. I dont know what the law is in NY is, but it's a minimum $5000 fine for driving without insurance here.
OP, you really need to grow up. What if you hit someone and they broke their arm or something, how are you going to pay for their medical bills? You really want your parents to lose their home so you can get your way? Suck it up and take the bus or buy a used car so you can afford insurance, princess.
You live in NYC right? Where public transit is very available (and not excessively pricey compared to the rest of the country)?
Why do you hate public transit so much? And, why, of all places, would you want to drive in NYC? Don't you have enough stress in your life?
As for sinking your entire paycheck into the car, I advise against it. What happens when the unexpected happens (ticket, accident, etc)?
damn right.
i was born in queens and raised in brooklyn, getting around is a breeze.
with gas prices the way they are i wish where i live currently there were public transportation.
im 18 drive a 06 dodge ram 2500 and costs around 200 a month to keep filled.
keep in mind the only places i go is to the gym and picking my mom up from work.
that could easily change if i has places to go regularly along with a job easily 125 a week.
personally if i was the op i would save that money until i could offcially afford to pay for the car and isurance instead of taking a loan out.
For people that have high insurance, looking at a used Mercury or Buick might be something to do.
Heck getting a beater Mercury Grand Marquis will likely get you a vehicle with cheap repairs, and something that'll last 200k when it is abused. And much more with care. And they depreciate like a rock and much faster than the lower end Ford.
Besides the fuel, anything else usually ends up costing more in insurance and repairs.
Heck even a $6k Grand Marquis 03-04 with 75k is a good bet and likely to cost less over the next 75-100k miles than a lot of new cars. Heck, can probably find them with fewer miles for about the same price, since they are as hard to give away as SUVs right now.
Heck getting a beater Mercury Grand Marquis will likely get you a vehicle with cheap repairs, and something that'll last 200k when it is abused. And much more with care. And they depreciate like a rock and much faster than the lower end Ford.
Besides the fuel, anything else usually ends up costing more in insurance and repairs.
Heck even a $6k Grand Marquis 03-04 with 75k is a good bet and likely to cost less over the next 75-100k miles than a lot of new cars. Heck, can probably find them with fewer miles for about the same price, since they are as hard to give away as SUVs right now.