Car Insurance

Should I take my parents’ car or buy my own?

by infomatique

Question by : Should I take my parents’ car or buy my own?
So i have a little bit of a moral dilemma going on.

Long story short, my parents bought a 2nd car last April (2011 Nissan Sentra) just to realise a few months later that they really have no use for it. So now they’re thinking of giving it to me when i pass my driver’s license next January. The deal is that i will pay for insurance, maintenance and gas, while they will pay for the car itself. However i have a few problems with it.

First of all, my parents told me that since they’re paying for the car, it still belongs to them. So basically if they decide that all of a sudden they need it again, they will take it away from me even if i’m paying for the insurance, so i’ll be left without a car and without the cash to buy one. Then there’s just the fact that they’ll be paying 300$+ per month for it for another 5 years, i really feel uncomfortable about it, it feels like i’m joyriding on their back to the max having them pay so much for my wheels. And since i’m just entering college its very unlikely that i’ll find myself a job rewarding enough to take over the car payments before its payed off.

Then there’s the fact that i just don’t like the car very much. Its not fun at all to drive and quite ugly, i feel that i can do much better on the used car market.

So basically what i’m asking is am i crazy for not wanting this car? Its brand new, under warranty and will likely be very reliable for 5+ years, however i just don’t feel comfortable driving a car that i don’t actually OWN and that i don’t even really care about.

Should i tell my parents that i don’t want it and find myself a used car (my budget will be quite low… around 3000$) or take it?

Best answer:

Answer by Bigfoot1457
From the sounds of it, you are the type of person that will take gratification in buying your own car. I would suggest that route since a)they can’t take it back b) you can choose the ride you want, not one already picked out.

Know better? Leave your own answer in the comments!

Are they just being greedy?

Question by : Are they just being greedy?
I’m going home for a week from where I currently live and since you have to be 25 to rent a car where I’m going I was going to just get insurance on my parent’s car for that week since they said it wouldn’t be a problem.

However when they called their insurance company they said that they would charge them twice what they normally pay them because I’m a “young” driver (only have had my license around 2-3 years) and that I would have to have full coverage (which I know right there is a lie from the insurance company cause I have never had full coverage since I got my license ). Back when I was living with them my dad only had to pay a couple of hundred extra dollars for me to be insured on his truck also.

So I have a couple of questions. One, do you think they’re just trying to rip me off? Second, do you think I should just leave that insurance company alone and see if another family member with a different company will be able to get me insured with them for the week without me having to pay as much or call my parents insurance company out on it?
@first comment that still doesn’t explain that the same company only charged a couple hundred extra dollars for me to be insured on my dads truck back when I first received my license, yet that company now wants to charge double what their rate is now for me to do the exact same thing just a couple years later…

I realize the younger you are the more you have to pay for insurance, that really didn’t answer my question at all…

Best answer:

Answer by Don Jon
It is normal for younger drivers to pay more for insurance, because they are less experienced and more likely to have an accident. When you turn 25 the amount should decrease and then it should go down again when you get around 30. When you start getting older, however the prices go up. This is because the insurance provider reasons that inexperienced drivers and older drivers are more likely to have an accident.

Know better? Leave your own answer in the comments!

Auto Insurance Mobile for 19 years?

por Heather F

Pregunta sobretensiones : Los seguros de autom?viles durante 19 a?os que en la actualidad conduce un Mazda 6 2005 (4 cilindros, turismo de 140 CV) y est?n bajo la pol?tica de mi pap?.? Quiero comprar un VW GTI 2008-09 que? una de 200 CV 4 cilindros turbo de la puerta, yo quiero una de 2 puertas, pero optar por la puerta 5, si se ahorra una buena cantidad? de dinero. ?Cu?nto tiempo debo esperar para pagar el seguro con el GTI, aunque la pol?tica de mi padre? Sar? m?s? manera barata de conseguir mi cuenta? Tambi?n se espera pinz?n? no lo har?? 20 a ahorrar m?s para comprar el coche? dinero? Nunca he tenido una multa por exceso de velocidad?, Tuve un peque?o accidente cuando ten?a 17 a?os, tuve una violaci?n de tr?fico el a?o pasado, pero no era el conductor del veh?culo por el delito, incluso cuando no hay puntos se han a?adido mi licencia para esto he hecho un curso en el tr?fico y el pago de una multa en su lugar. (Florida) Mejor respuesta : Respuesta

por Lisa

llamar a su agente de seguros y padre han ejecutado un presupuesto de lo que costar?a tener la 2008-09 VW GTI 2005 en lugar del Mazda6. Escribe tu respuesta a esta pregunta de abajo!

What can I do to make up a recent car accident (financially) to my parents?

by micah makes art

Question by : What can I do to make up a recent car accident (financially) to my parents?
I currently am driving under a Learner’s Permit and have been since last December (I’ll take my driver’s practical test this October). I’m generally a VERY safe and cautious driver, and have never had an accident before.
Today, however, I was running errands for my younger brother with my grandmother, and it was raining quite hard. I was trying to be very careful and didn’t want to hurt either my grandmother, myself, or my mum’s car (which I love & have been so privileged to drive), but I had to pick up my brother from practice, so I tried to get home as soon as possible. I know I could have waited for the rain to let up, but I saw I was cutting it close and decided to go.
As I was pulling out of the parking lot and preparing to turn right onto the highway, another driver turned as well, so I slowed down as he pulled into the left lane before I pulled into the right. He moved over a bit just as I was pulling in, so I tried to move to the right to avoid him and (stupidly, albeit accidentally) went up onto the curb. As I was turning onto the highway, I saw my tire pressure lights come on and pulled over to find that I had torn both right tires.
When we went to the nearby dealership, they told me our car needed two new tires, two new tire sensors, and a wheel alignment (just in case), which added up to ,100. Luckily, there was no damage to the car body or the hubcaps. This is A LOT of money, in my opinion, and we decided to pay cash instead of with insurance in order to avoid a hike in our premiums.
Right now I’m feeling ashamed, embarrassed, and quite guilty for having caused my parents to have to pay an arm and a leg for my foolishness. I don’t know why, but I’m also uncomfortable with my mum’s reaction to the accident (I still almost feel sick about it): instead of being angry about her car & the money she and my dad would have to pay, she was comforting me and saying “it’s okay.” Meanwhile, she told my brothers about the damage and the repair fees, so I’m getting (deserved yet very cruel) criticism from them as well.
I’m so disappointed in myself, and, although they’ve not asked me to do so, I really want to earn money to help pay them back. I’m going to be a high school junior this year, so unfortunately I don’t really have the time to get a job during the week.

Here are some potentially flexible jobs I’ve considered, however:
-Replacing our cleaning ladies for 12 weeks (my mum pays them 0 every 2 weeks when they
come)
-Babysitting for neighbors and family friends
-Starting some sort of business (I’ve been thinking of working with my photography or with hair
accessories)
-Helping my dad with yardwork in order to (somewhat) replace our landscapers

I would, of course, give all profits to my parents in repayment of my present debts.

Could you recommend any other jobs I could do in order to repay them?
Thanks so much!

Best answer:

Answer by bo
all of the ones you mention

What do you think? Answer below!

Auto Insurance Mobile for 17 years of age in South Texas?

por

Pregunta futureweaponmaker : El seguro de coche de 17 a?os de edad en el sur de Texas ?qu?? seguro de coche m?s? cuesta a un joven de 17 a?os de edad en el sur de texas2007 Mustang V8 est?ndar? fue y se pasa a trav?s de la escuela de conducci?n con alrededor de un B + para obtener buenos choques scuolanon grados o boletos de cualquier tipol’auto? pagatointenzione a casarse despu?s de la escuela secundaria sobre 18 1/2 annimacchina nerala USAA madre? esto m?s? ? m?s barato que la mayor?a de los lugares Mejor respuesta:
A la edad? de 17 a?os? puede entrar en una obligaci?n financiera en curso de que? ?qu?? seguros. Por lo tanto, el ?nico, pero a?n m?s? econ?mica, la opci?n pol?tica se agrega a sus padres. tu respuesta en los comentarios!

Q & A: Tips for buying / renting a Volkswagen Golf / GTI / Rabbit?

por

Pregunta por sam550 : Consejos para comprar / alquilar un Volkswagen Golf / GTI / Rabbit Estoy buscando algunos consejos sobre VW , el kilometraje de gas, y pros y los contras de poseer este tipo de vechicle, he o?do cosas buenas y malas acerca reliablity y el coste, mirando a la mayor?a? especialmente en un Golf GTI o, (nunca me faltar?a es tenido este tipo si el auto) ?C?mo el seguro en comparaci?n con el golpe de Estado de otros deportes?. Cualquier problema a largo plazo con estos vetture.Sto tratando de operar en un Ford Mustang (una Debido a que milieage de gas) para un VW, esto ser?a una buena decisi?n? Por otra parte, he intentado usar foreover 2002-2006, pero son dif?ciles de encontrar, la mayor?a de los modelos solamente? Recientemente estoy fuera, pero yo estoy tratando de encontrar utilizada en 15k,? VW GOLF GTI propietarios realistico.Eventuali o / conejos, tengo que responder a aiutoGrazieMiglior: Respuesta

por Bob

veo un buen n?mero de VW en http:// www.carmax.com. La fiabilidad? sigue siendo un problema. conocerlo mejor? Deja tu respuesta en los comentarios!

Q & A: Questions jur? Hints about my car insurance to get my car painted?

Question CARPE DIEM My girlfriend just put your car in the shop to be painted. Da years? been done to the car and had to put a 0 deductible to get my car painted and the company ‘s to p insurance? 00. opt? to use a store and check? have made it and the store was in his name on the check. The paint shop said that much remained to sign the check? for them to do the job. It is a month and todav? Not completed one of the works. Always keep the race with them. They est? N saying that the cause must bring back out of adjustment have found a tooth that is to be fixed and then FOUND? another tooth. In essence, we want the car outside?,? But c? Mo we can do this and you can take action? No legal, if necessary, and what? actions can be? ? Tambi do? n on a side note, we live florida.Oltre presumably have s? what the piece of control and undocumented, because alcuna.Miglior him no answer: LT

Response

not sign the check to them until IDENTIFICATION? n of the completed work, a dep? site would be fine, but this? As I like? To go. Now do not? You can complete the work due to bruises? The car ten? To look before attempting any price … ? Why?? est students? n discovering now? I like it? To see if the company ‘s insurance to issue another check, find a shop carrocer? To know what you are? doing and have the car repaired. your answer in the comments!

? What? m ‘s’ of Auto Repair affordable company? insurance in Michigan?

por

Pregunta de Jozzy : ?Qu? m?s? compa??a de seguros de autom?viles asequibles en Michigan Voy a salir de la casa de mis padres en pocos meses, y hasta el punto de observaci?n de los tipos de seguros de autom?viles. Siempre he pagado los impuestos en su nombre en com?n, que estaba solo. Amigos en Ohio, la vida tambi?n ten?a su paga con sus propios planes por mes, y tienen un historial de accidentes. Cuando pido cita con un historial limpio, Progressive me dio una estimaci?n de 0 ?Qu?? la mejor empresa para ir a trav?s de? O por lo menos los 3 primeros? S?lo quiero una cobertura b?sica, ?por qu?? esto? todo lo que puede permitirse el lujo de la respuesta ora.Miglior: conocerlo mejor? Deja tu respuesta en los comentarios!

Good Student Discount?

? Good Student Discount Auto Insurance Mobile national, and like me? To know if the good student discount, which requires a 3.0? a cumulative GPA or any semestri.Sono GPA in college and have a cumulative GPA of 2.95 as m? a – I’m joining my parents’ insurance, now – but I like mine 3.4 GPA this semester user primaverile.Miglior response: S
?, the student gets a good grade point average of 3 … For excellent students usually get an average of 3.5 … M ‘s’ Pam, m ‘s’ possibility? you have to enter doctoral programs and / or programs of the Master! ? Good luck! your answer in the comments!

The proceeds of the debt?

? Revenue debt ratio ? C? Mo my income and debt in comparison? N with others my age? I make between 1800-1900 per month. My accounts are: Income 5, 6 Auto Insurance Mobile, water, electricity (Summer) 0, petrol 0/month, + food. Can anyone? tell me the average bills of income or a var? n of 25 years, are in Arizona? If perhaps not many of you do? tell me what your income / bills are. Im trying to see c? Mo valuto.Miglior response:
rent should not be greater than 0% of the income of a mese35? the number m? Maximum you should spend on rent the attention? n ^ Ok 25% be? to an n? mere ideal -.? 0 in a meseCi? Warden of the advances in future cars, vacations, emergencies, etc —- La? last thing you want to do? live paycheck to paycheck without risparmio.Il Your goal should be 6 months of expenses in savings —–, 400 a year you car insurance -? qu? folleTi enough consider raising the deductible and call and ask scontiNessun hand car? Consider the responsibilities? only – this can? cut energy bills in half? – F? Easy know him better? Leave your answer in the comments!