4 ms·

>You have probably the cheapest insurance in the US. I don't think so, it's just a cheap car. It is well above state minimums (I think minimums are 25k/50k and

by gibybo 9y ago

>You have probably the cheapest insurance in the US. I don't think so, it's just a cheap car. It is well above state minimums (I think minimums are 25k/50k and it's 100k/300k). It includes comprehensive coverage but with a $2k deductible (mostly just useful for rental cars since $2k deductible is most of the value of the car). It has been as low as $20/month in the past. >As others have noted, your repairs probably don't even cover basic maintenance like battery, oil changes, or fluids. I specifically mentioned that they did. >You don't have registration/sales tax in your value of the car. Ah that's true, that adds about $20/month with emissions testing too. >Do you ever pay for parking or a car wash? Fair point, but that's less than $2/month on average.

treis 9y ago
>I don't think so, it's just a cheap car. It is well above state minimums (I think minimums are 25k/50k and it's 100k/300k). It includes comprehensive coverage but with a $2k deductible (mostly just useful for rental cars since $2k deductible is most of the value of the car). It has been as low as $20/month in the past. That's crazy cheap. The cheapest I could find for state minimum in Georgia was $60 and that was answering the questions as a perfect driver. >I specifically mentioned that they did. But the numbers don't add up. There's no way you spent just $300 in 60,000 miles on maintenance. Oil changes alone would be $300ish. It should also be a brake job, new tires, and things like new wipers. On top of that you replaced an alternator, battery, and a belt change?
- gibybo 9y ago
  >That's crazy cheap. The cheapest I could find for state minimum in Georgia was $60 and that was answering the questions as a perfect driver. Hm maybe it's just cheaper in Arizona for some reason then. Could definitely see a significant difference in state regulations causing that. Oh shit I forgot about tires, you're right I was missing some things. Better numbers look like this I think: Battery: $100 Belt: $20 Alternator: $170 Coolant: $20 Windshield washer fluid: $5 Air filter: $10 Tires: $500 1x Wiper blade: $20 4x oil replacements (I replaced when oil looked discolored, not at 7k miles): $100 ($25/each) No brake job yet, but that's probably coming soon... Total: $845 Lack of rain/snow/salt on roads probably reduces maintenance costs by a lot in regions like this, so national averages might be higher. So after both adjustment my numbers are probably closer to $200/month, and I'll accept that's probably an outlier and $300/month is a reasonable estimate for a cheap car.

by gibybo 9y ago

treis 9y ago

>I don't think so, it's just a cheap car. It is well above state minimums (I think minimums are 25k/50k and it's 100k/300k). It includes comprehensive coverage but with a $2k deductible (mostly just useful for rental cars since $2k deductible is most of the value of the car). It has been as low as $20/month in the past. That's crazy cheap. The cheapest I could find for state minimum in Georgia was $60 and that was answering the questions as a perfect driver. >I specifically mentioned that they did. But the numbers don't add up. There's no way you spent just $300 in 60,000 miles on maintenance. Oil changes alone would be $300ish. It should also be a brake job, new tires, and things like new wipers. On top of that you replaced an alternator, battery, and a belt change?

gibybo 9y ago
>That's crazy cheap. The cheapest I could find for state minimum in Georgia was $60 and that was answering the questions as a perfect driver. Hm maybe it's just cheaper in Arizona for some reason then. Could definitely see a significant difference in state regulations causing that. Oh shit I forgot about tires, you're right I was missing some things. Better numbers look like this I think: Battery: $100 Belt: $20 Alternator: $170 Coolant: $20 Windshield washer fluid: $5 Air filter: $10 Tires: $500 1x Wiper blade: $20 4x oil replacements (I replaced when oil looked discolored, not at 7k miles): $100 ($25/each) No brake job yet, but that's probably coming soon... Total: $845 Lack of rain/snow/salt on roads probably reduces maintenance costs by a lot in regions like this, so national averages might be higher. So after both adjustment my numbers are probably closer to $200/month, and I'll accept that's probably an outlier and $300/month is a reasonable estimate for a cheap car.