Okay, I have a problem. I should have
gotten my license when I was 16 ,but I
procrastinated and never got to it. And
jon said that he wouldn't buy me a car
until I got it, so I will be getting it
next month. So we went car shopping
yesterday. I found a great 2001 explorer.
I was black, kenwood cd player, nice
upgraded sound, a touch screen panel, and
two headrest moniters with a dvd player.
So it was nice. Anyway jon asked me if I
wanted it and I was like I don't know. I
mean I am having a baby ,and since I am
not ready to be a minivan mom an suv is
the next best thing. And not only that it
was really nice, but it is $10,000. And
jon is buying it for me so it is not like
the money is coming out of my pocket. But
i've been looking on ebay and yesterday
someone won a jeep grand cherokee for
$1,800. So i'd rather spend $2,000 on a
car and use the other $8,000 towards the
baby. But the only thing is that with
ebay you really don't know what you are
getting from the out of town dealers. So
should I take the explorer or go ebay
shopping?
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nikki_caro
Extremely EHEALTHy
Joined: 22 Aug 2003 Posts: 4921 Location: Right here at work!
Posted: 07-13-04 10:35am
I think you should go for the explorer.
That is really really cheap. I went car
shopping for a minivan and there is
nothing out here for 10,000, its all
13,000 and over. And I have to make big
payments. So now I have to wait for my
taxes next year to have a good down
payment. But make sure you really like
this car and you are able to handle a big
suv. Because I know those are kinda big.
And your just getting your licence. But
in the mean time, maybe keep car shopping
and explore all your options. Make sure
the milage is low. Whatever year it is,
should only have about 10,000 miles a
year. So if its a 2001 it should have no
more than...40,000 to 45,000. And it
should no way have more than 70,000
because then they wasted all the miles and
will soon brake down on you in like 2-3
years and will need alot of maintenance.
Make sure it runs good, take it for a test
drive and test out other cars too.
Good luck on getting the car you want!
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Mesmerizeu15
Extremely EHEALTHy
Joined: 11 Aug 2003 Posts: 2728 Location: Pittsburgh,PA
Posted: 07-13-04 10:37am
Plus with ebay, imagine how many miles are
going to be put on that car getting it to
you.. I think you should get it.
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linuxChique
Extremely EHEALTHy
Joined: 05 May 2004 Posts: 4535
Posted: 07-13-04 11:11am
Neither. The explorer scares me. It
seems like they are not asking enough,
which makes me think there is something
wrong with it. I'd definitely take
anything I was considering to some place
like firestone where I could pay them
$20-$40 to look it over and tell me
anything that's wrong with it.
I'd look on autotrader. Cars on ebay
typically go for market value anyway. You
aren't going to get a great deal unless
you are super lucky, and the chances of
that are slim. And you definitely aren't
going to get anything near where you are.
With autotrader, you have more cars to
look at, all near you, and more time to
think about them because it isn't an
auction that is timed.
From an insurance perspective, i'll tell
you this: for $10,000 you can get a 2004
suzuki forenza. They have really cheap
insurance and 10 year warranties, so there
is no fear of buying a lemon. Plus you
get a brand new car instead of a used one.
Another good one is hyundai accent.
They are cheap with good warranties too.
Now neither of them is an suv, but you
will pay more for an suv plus extra for
insurance. I'd get the forenza. I think
they look great, and they are a good buy.
|
nikki_caro
Extremely EHEALTHy
Joined: 22 Aug 2003 Posts: 4921 Location: Right here at work!
Posted: 07-13-04 11:22am
Hey linux
you know alot about this stuff. What if I
were to get a second car how much do you
think my insurance would go up? I have a
92 honda accord right now and I pay...85 a
month in insurance and I want to buy a
minivan from either '98-'01 like a dodge
or ford or something. Im not sure yet.
But im gonna make payments on it, and I
dont want my insurance payments too high
because I will have a baby at that time.
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linuxChique
Extremely EHEALTHy
Joined: 05 May 2004 Posts: 4535
Posted: 07-13-04 11:28am
They will probably double or not quite
double. You're probably looking at
something like $150-$175 a month. You
should always call your insurance company
before buying a car and get a quote on
what the new car would cost you in
insurance.
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newlife
Active User, Really EHEALTHy
Joined: 13 Jun 2004 Posts: 874
Posted: 07-13-04 11:43am
First, it does sound kind of cheap but
you've got to think about where I live.
And we had it look over yesterday by my
uncle al, he said the only thing that he
found was that it has been repaired. The
back door (trunk) and the bumper had
dents,and have been painted. Which they
told us anyway, plus i'm not buying it
from a private owner it's a dealer. Ohh
yay and it has $53,000 miles.
And i've tried auto trader too ,but the
only cars that I can find close to me are
outraguos for the year. And the rest are
far so it would just be buying on ebay,
and the prices are higher. On ebay I only
look at auctions that are n"o reserve"
meaning if it starts at $100 ,and only
gets up to $200 at the end, the person
that bid $200 is the winner.
And I would buy a car if the deal is
right, but I don't want a brand new car
b/c no matter what I am paying cash for
the car, but down her wih my insurance
company (soon to be) all new car have to
have comprehensive coverage. And for me
that would be $610 a month for a mid-sized
dark colored car,and I am not about to pay
more for insurance than I will for rent.
Ohh how old r u nikki? I am asking b/c of
how much you pay for insurance. Mine will
be $250 for liabilty , for any mid-sized
car or normal sized suv that is not red,
yellow or white.
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linuxChique
Extremely EHEALTHy
Joined: 05 May 2004 Posts: 4535
Posted: 07-13-04 11:56am
I am an insurance agent. The only reason
they say all new cars have to have full
coverage (comprehensive and collision) is
because they are assuming you will finance
the car. If you got a brand new car under
$10k and paid cash for it, you don't have
to get full coverage. Its a good idea to
protect your investment, but they cannot
under any circumstances force you to carry
full coverage if you don't finance the
car. If they try, fight. If they resist,
find another insurance company. What
company are you with? What is your city
state and zip code? I'll do some research
for you.
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nikki_caro
Extremely EHEALTHy
Joined: 22 Aug 2003 Posts: 4921 Location: Right here at work!
Posted: 07-13-04 11:56am
I dont get the whole color thing lol. But
im 20 and I have been paying insurance
since 16. So its 85 but even thats alot
lol.
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linuxChique
Extremely EHEALTHy
Joined: 05 May 2004 Posts: 4535
Posted: 07-13-04 12:03pm
Another thing- its not a good thing that
you are buying a used car from a
dealership, its a bad thing. What I mean
by that is that dealerships do a great job
at covering up things that are wrong with
the car so you don't know its messed up.
Then the car breaks later, but you bought
it as is, so the dealership doesn't have
to fix it. If you had bought it from an
individual, you would have known all the
things that were broken and maybe paid
less or maybe not bought the car at all,
but at least you would be prepared for
repairs that might come along. I bought
my car from a dealership used and in one
year I have had to replace the egr valve,
breaks, transmission, and repaint it,
about $4000 of repairs in all. I'm
recommending that you buy from an
individual and take the car to get checked
out by a mechanic before you buy!
|
newlife
Active User, Really EHEALTHy
Joined: 13 Jun 2004 Posts: 874
Posted: 07-13-04 12:12pm
Nikki the color thing is b/c of accident
stats. Like the last time I checked red
cars were in the most accidents, and the
safest color care is supposed to be silver
(or dark colored). The delearship has
warrenties available but I don't have all
of that info. The two companies that gave
me the lowest quotes were safe auto
(liability) ,and progressive (both). And
my uncle has checked it out. In his
opinion it is fine mechanically, the
inside is in mint condition, and the only
thing that he found was the repairs made
to the bumper and the the truck door.
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cherry_pie
Active User, Really EHEALTHy
Joined: 25 Jan 2004 Posts: 599
Posted: 07-13-04 12:37pm
Wow...Does he have money or what? Just
awhile ago you said that he gave you 2
grand for the baby, I thought that was
great! Now hes going to buy you a
vehicle! Must be nice!!!!!!!!!!! I just
went and applied to get a car loan
yesterday and just found out that it was
approved. But im going to be paying out
of my @$$ for it too..Its a 1998 sunfire
gt (dark green)...And it was 8800 (after
taxes). So all in all im going to have to
pay about $220/month on this.. But I want
to pay it off as fast as I can because I
want to move in the new year and I don't
want a big car payment following me!!!
The other thing...I only have a part time
job!! Ahhh...Stress! So im frantically
looking around for another job or a full
time one! Wish me luck on that, hah
|
newlife
Active User, Really EHEALTHy
Joined: 13 Jun 2004 Posts: 874
Posted: 07-13-04 12:45pm
I really don't want a car note. B/c I am
so young, and with a new baby, I have to
budget most of the money around the baby.
And yeah he has alot of money. He doen't
have a job and never has,but he has an
enourmous trust fund, so he really has no
money worries, but he can't always take
out money when he want to. Plus he is
really giving to me atleast, I guess that
is just how our relationship is. I would
give him my last and I know he would do
the same. But I really hope you can find
a full time job, I hope I can find one too
,so I won't be stuck in the house all day
until I go to class. Ohh how much of a
down payment will you put down?
|
cherry_pie
Active User, Really EHEALTHy
Joined: 25 Jan 2004 Posts: 599
Posted: 07-13-04 17:05pm
Just $500...But its still alot when I
don't have all that much to begin with.
Then I still have to come up with another
$300 by tomorrow so I can license it for 3
months...Don't know yet where thats coming
from. Im starting to think this was a bad
idea. But I don't know if I can back out
of it now