Berkeley CSUA MOTD:Entry 49353
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2017/11/19 [General] UID:1000 Activity:popular
11/19   

2008/3/6-7 [Transportation/Car/RoadHogs, Transportation/Car/Hybrid] UID:49353 Activity:low
3/6     http://www.csua.org/u/kyy (Yahoo! Finance)
        "The average cost of owning and driving a car 15,000 miles a year is
        $7,830 according to AAA. SUVs are even more costly, at $9,990 per
        year."
        Wow!
        \_ I guess that sounds about right. My cost has been less than half
           of that (~$3k/yr) but I drive near half as much. That also
           doesn't include resale value of my car, but my car won't have much
           in that department. And of course I'm not including taxes and
           environmental costs associated with owning and driving my car.
        \_ How long does it take to grow $652/mo into $1M? By my calculations,
           about 25 years, if you invest in the stock market. So I can retire
           at least 10 years early by getting rid of one car.
           \_ Or by getting a efficient dependable used car.  Say a late
              90's/early 00's corolla.
              \_ $652/mo is average. Even an older car costs almost that
                 much.
                 \_ Gas (15k mi/yr): $145/mo for 30mpg at $3.50 a gallon
                    Depeciation on a car that old: negligible, say $50/mo.
                    Insurance: ~$50 mo.
                    \_ Are you out of your mind? $50/month?! I wish. I pay
                       $2400/year for two cars with no accidents or tickets.
                       \_ If you pay that much for an 8-9 year compact car
                          without comprehensive or at least a really high
                          deductable, you are paying way too much.
                          \_ Depends on what coverage you want and I
                             wouldn't drop comprehensive. I had my 1993
                             Honda stolen and I was glad I had it.
                             \_ When your car is worth ~4k comprehensive
                                adds up to the price of your car pretty
                                damn quickly.
                                \_ Eh. $400/year is worth it for $4K.
                    Repairs: less than $50/mo.
                    That's a about half the cost.  Not so bad.  (Oh and 15k
                    miles a year is a lot for a car that you can live without.
                    If you are doing 15k miles on a bus that is going to
                    SUCK.)
                    \_ http://www.csua.org/u/kz9
                       (even without any depreciation, that is $5100/yr)
                       I trust Edmund's numbers better than yours.
                       \_ Depeciation looks like I was high.  (See how by
                          year 5 it is ~50/mo.  Taxes are going to be lower
                          because you bought it used.  Insurance is going to
                          be lower because you shouldn't have comprehensive.
                          Financing is non existant if you buy it used.
                          Gas I seem to be a bit high.  So knock OFF 10-20/mo.
                          Mantenance/repairs seem silly high to me, I've
                          never needed to spend that much on my car.
2017/11/19 [General] UID:1000 Activity:popular
11/19   

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www.csua.org/u/kyy -> finance.yahoo.com/insurance/article/104523/Save-Money-on-Transportation
Kiplinger'sPersonalFinance The average cost of owning and driving a car 15,000 miles a year is $7,830 according to AAA. That includes all costs of ownership, such as gas, insurance, maintenance, registration, taxes depreciation, financing and more. Here are ten tips to help cut your costs: Buy a Used Car Because cars lose most of their value in the first few years, buying used allows you to drive a vehicle you probably couldn't afford brand new. Five Myths on Leasing a Car Recent used models -- those that are less than five years old -- can be a real value because you get a nearly new car still in fine working order for a fraction of the new-car price. And you'll pay less for collision insurance and taxes, too. Buy a Sipper, Not a Guzzler You don't need a hybrid vehicle to save money on gas -- higher purchase prices can cancel out any savings. But a regular car with good gas mileage could save you hundreds of dollars a year on fuel. Drive a car that averages 25 miles per gallon, and you'll spend $134 per month -- a savings of $53 per month, or $636 per year. Shopping around is especially important for young adults because their rates could drop as they approach age 25 or older, build a credit rating, start a career and get married. Drop Collision & Comprehensive Coverage If you drive a beater -- say, one worth less than $2,000 -- you'll probably pay more to insure it than you would ever collect on a claim. Dropping that part of your coverage can reduce your premium by one-third. Raise Your Deductible Upping your out-of-pocket outlay from $250 to $1,000 on any car can save you 15% or more on your car insurance. But make sure you have enough cash in an emergency savings account to cover your deductible so you won't have to rely on costly credit cards to bail you out. Join Policies When shopping around for auto insurance, check first with the company that provides your renters or homeowners insurance. You could snag up to 15% off for a multiple-line policy. So hop online to find the best deal in your neighborhood or along your commute route. A 20-cent difference on 60 gallons of gas per month adds up to $12 per month or $144 per year. Use a Gas Rebate Credit Card If you frequent the pump, soften the financial sting with a credit card that'll give you cash back for filling up. For example, the Discover Open Road card gives you 5% cash back on gas and auto maintenance charges. So if you spend $200 a month on gas and maintenance, you get $10 back -- or $120 each year. Hop on the Bus, Gus Public transportation can save you a bundle on commuting costs because you won't have to spend money on a parking space, gas and auto maintenance. Plus, you can probably get a lower insurance rate for driving less. Ask if your employer will pick up part of the tab for your public transportation costs. If not, suggest the company look into the matter -- it could qualify for a tax break. Car Pool Two heads are better than one when it comes to commuting. Sharing the ride -- and expense -- with another person heading your way can cut your gas costs in half. All information provided "as is" for informational purposes only, not intended for trading purposes or advice. nor any of independent providers is liable for any informational errors, incompleteness, or delays, or for any actions taken in reliance on information contained herein. site, you agree not to redistribute the information found therein. Answers is provided for informational purposes only, and no Q&A is intended for trading or investing purposes. shall not be responsible or liable for the accuracy, usefulness or availability of any Q&A information, and shall not be responsible or liable for any trading or investment decisions based on such information.
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www.csua.org/u/kz9 -> www.edmunds.com/used/2003/toyota/corolla/100074067/cto.html?setzip=94104&vdp=off
Find Out What Others Are Paying For The Car You Want With Edmunds TMV you get a customized price estimate based on your Zip Code, your car, and your desired options.