car wars, part 2
I called my insurance co, Liberty Mutual, to find out how much a new blue Bob would cost me a month. They told me it'd bump my monthly rate to $160.
"Holy shit!" I said. "What did I ever do to you people? And when will I ever be old enough for the insurance to go down?"
Dreams of a shiny blue Bob burst into sad blue flames. I can handle a $30 bump in car payments; I can't handle $160 a month in insurance.
I swore. I grouched. I whined. I called Geico. (Hey, I like the gecko.)
Geico gave me a quote of half what Liberty Mutual would charge for the exact same coverage.
Half.
It's $10 more a month for ubercoverage, which is still very feasible--and still would leave me at less than I'm paying now in car + insurance. I'm a little shellshocked right now, to say the least.
I ph34r my haggling abilities are shot now, of course--I know the MSRP for the car I'm looking at & the difference between that & the quoted price, but if I get an insurance policy for it then the sale'll look pretty cemented and I doubt the salesperson will budge much if at all. Which saddens me.
But--the difference between the MSRP and the quoted price is the difference between the loan payoff if they do it & the payoff if I do it. So things work out even.
(Still scared. :P Oh well!)
"Holy shit!" I said. "What did I ever do to you people? And when will I ever be old enough for the insurance to go down?"
Dreams of a shiny blue Bob burst into sad blue flames. I can handle a $30 bump in car payments; I can't handle $160 a month in insurance.
I swore. I grouched. I whined. I called Geico. (Hey, I like the gecko.)
Geico gave me a quote of half what Liberty Mutual would charge for the exact same coverage.
Half.
It's $10 more a month for ubercoverage, which is still very feasible--and still would leave me at less than I'm paying now in car + insurance. I'm a little shellshocked right now, to say the least.
I ph34r my haggling abilities are shot now, of course--I know the MSRP for the car I'm looking at & the difference between that & the quoted price, but if I get an insurance policy for it then the sale'll look pretty cemented and I doubt the salesperson will budge much if at all. Which saddens me.
But--the difference between the MSRP and the quoted price is the difference between the loan payoff if they do it & the payoff if I do it. So things work out even.
(Still scared. :P Oh well!)