I've been doing the no car thing for 4 years now after my last car was totaled in the middle of the night while parked. The thing that worked for me was to comp

I've been doing the no car thing for 4 years now after my last car was totaled in the middle of the night while parked. The thing that worked for me was to compute out the total cost I was spending per month on the car and set that as the cap on my car rentals and zipcar. I never even come close to that limit, and knowing that limit lets me feel free to spend. When I did the math the insurance was close to 50% of my cost. Rest was depreciation, then gas, and maintenance.