when there are 70-80 computers (control units )using multiple communications buses as well as fiber optic in a vehicle, things go wrong.

 

I still like the anti-skid protection control regardless!

Antilock Braking Systems and traction control on BMW and Mercedes is amazing - something the American manufacturers have not mastered.

My wife's first car was VW Jetta and it was a decent car. It's not growing up Matt, your becoming an adult.

My wife's first car was VW Jetta and it was a decent car. It's not growing up Matt, your becoming an adult.

 

I'm never gunna grow up. I just get cooler toys.

yeah when i have money and am not forced to drive my play toy everyday i will be getting another jeep and another fast car. In the time being, its the grandpa mobile that gets 50 mpg. Little downside, they said over the phone they would only give me 3500 to 4k for my wrx as a trade in, I laughed and said I would get back to him.

 

They have it listed at 14,800 I'd like to get them down to 14,000. Taxes and tags brings me to a little over 15k. If I'm not trading in, we'll just say I can muster up 1k to put down on the car. That'll put my car payments at 275 which isn't where I wanted to be. It still wouldn't be bad as I'd still be paying the same month to month from the jeep to this now but I was really hoping to save money.

 

So it seems I need to sell the WRX first and then move forward with a purchase. Unfortunetly this one will probably be gone by the time that happens. Decisions decisions decisions.

 

Does anyone know if say I take a loan out on a car now for 14k, and in 3 months I sell the car for 7k, would I be able to go to the bank and say listen, can I give you this 7k and you can adjust my payments for the rest of the loan, or would I actually have to go and do a sort of re-fi on the loan in order to get a new payment amount???

 

M

That's funny matt, I think If I ever got a jetta i'd look like someone stepping out of a clown car.

yeah I'm 6'1 and its going to look odd, but I think im finally to the point in my life that i just dont' care nemore about the "image" lol

Does anyone know if say I take a loan out on a car now for 14k, and in 3 months I sell the car for 7k, would I be able to go to the bank and say listen, can I give you this 7k and you can adjust my payments for the rest of the loan, or would I actually have to go and do a sort of re-fi on the loan in order to get a new payment amount???

 

M

 

You'll have to get it Re-fi'd.

 

The good news is that for now at least, you can get a re-fi car loan with a better rate than the initial loan.

so torn with what to do. I've been without a car payment for 2 years now and its quite the magical thing. To think I'll have a 250 dollar payment again kinda sucks. Decisions decisions buh

so torn with what to do. I've been without a car payment for 2 years now and its quite the magical thing. To think I'll have a 250 dollar payment again kinda sucks. Decisions decisions buh

 

If this is strictly to keep ongoing expenses down, do the math.

 

Current Car payment + Gas + constant repairs(including routine maint, tires, etc) =

 

New payment + Gas + maint (warranty repairs + wear items) =

 

If it's about having a new car, that's got some value as well. Peace of mind and a little fun has value in life.

 

If you think your Jeep or Subaru is going to be expensive to maintain, you're better off just taking the hit and taking what they'll give you.

so torn with what to do. I've been without a car payment for 2 years now and its quite the magical thing. To think I'll have a 250 dollar payment again kinda sucks. Decisions decisions buh

 

If this is strictly to keep ongoing expenses down, do the math.

 

Current Car payment + Gas + constant repairs(including routine maint, tires, etc) =

 

New payment + Gas + maint (warranty repairs + wear items) =

 

If it's about having a new car, that's got some value as well. Peace of mind and a little fun has value in life.

 

If you think your Jeep or Subaru is going to be expensive to maintain, you're better off just taking the hit and taking what they'll give you.

 

Leaving maint. off all vehicles, but based on car payment, insurance, and gas on Jetta, and Gas and insurance on the jeep it works out to be about the same. So I would hope the Maint, on the Jetta would be cheaper so long run Jetta is cheaper.

I was driving a '94 Jeep that would have needed some maintenance, tires, and was obv not friendly with the pump. Looked at my options and got a new car, and while I have car payments now, I'm saving roughly 1-2K in maint/tires, and another 2-3K in gas... and that's for the first year. So, definitely worth it financially, and as a peace of mind for me. Best of luck.

I thought growing up meant that you could afford more and nicer guns, until I can do that I am referring to myself as just a kid.

 

I love my 2003 Subaru Outback Wagon

good gas millage and it is my go anywhere car. Get's me to all those fun off the map places I like so much. When I get to Jersey I am going to have to think about replacing it with something lame though since I won't have to climb mountains anyways.

Matt,

 

What's wrong with the WRX? Did you pimp it out so bad that it can't be a DD?

Matt,

 

What's wrong with the WRX? Did you pimp it out so bad that it can't be a DD?

 

No its completely stock these days, when I was a younger lad it wasn't so stock.

 

But it needs a timing belt badly before my motor blows, a clutch, and a cv shaft plus its got 130k on it so she's showing her age.

 

I just did the math, the WRX would cost me about 350 dollars a month to drive between insurance and gas.

 

The Jetta if I went with no down payment would be about 507 a month between car payment, diesel, and insurance. If I waited sold the WRX and used that as a downpayment to get my payments where I really want them, I'd be about 400 a month with everything.

 

The Jeep is about 525 a month between gas and insurance.

 

Then factor in maint. for all of them, and then base your own opinion as I'm having a hard time coming up with one about this topic b/c I've been thinking it to death in my head every hour of the day. I havn't even gone to look at this Jetta yet because I'm afraid I'll either fall in love with it b/c its every option I want and what I want to spend and I'll do something stupid and buy it and put no money down and have a 275 month car payment. Or be really disappointed because I'm forced to walk out and not buy it.

 

If only they would of given me the 5-5500 I wanted for my WRX this would of been a mute point but they didn't.

 

So now I have to clean up both the Wrx and Jeep and list them for 7500 and 6500 respectively and wait for one to sell and then purchase something. Unless I can magically make 5000 dollars appear somewhere.

hmmmm so it seems my original guess was off by about 300 bucks. Instead of being 1400 a year for insurance they just qouted me over the phone with no vin at 1700 dollars for the year. Thats insane!

 

Now I'm really going to ahve to think about this one.

hmmmm so it seems my original guess was off by about 300 bucks. Instead of being 1400 a year for insurance they just qouted me over the phone with no vin at 1700 dollars for the year. Thats insane!

 

Now I'm really going to ahve to think about this one.

 

Any chance your company is part of the Manufacturing group and you are eligible for NJ manufacturers insurance?

 

If you are, your rates will go down.

NJ Manufacturers Insurance

Great company - I love the check that comes at the end of the year!

I had State Farm until I bought my Axiom in 03.

 

NJ manufacturers was HALF and I always get about 100 bucks or so at the end of the year. Some of the guys I work with get upwards of 500 bucks back.

 

Great company. Voted #3 in the country only because it's not available elsewhere!

hmmmm so it seems my original guess was off by about 300 bucks. Instead of being 1400 a year for insurance they just qouted me over the phone with no vin at 1700 dollars for the year. Thats insane!

 

Now I'm really going to ahve to think about this one.

 

 

From what we discussed..... I dont think that should change your intentions.... its only $25/mo from your original estimate, and other factors might even that out once the dust settles...

Yes NJM does rock, and I've had them since I was 17 through my parents. Now for the past couple of years, I have had my own policy due to the jeep. The 1700 still doesn't sound right, and I am going to call NJM again when I have more time to talk to the person and to provide a actual vin as I didn't have one handy today. I did an online qoute with geico and they said 1200 which sounds more reasonable than 1700 I was really shocked.

 

Tho I do get anywhere from a 150-250 rebate check every year from them which is fantastic.

 

With the insurance at 1700 dollars that brings my total monthly cost up to about 550 bucks between car, gas and insurance. So it would be about 50 bucks more than what I am paying right now. The only thing I don't like is I'd now be paying more as opposed to paying less. Also in the summer time when I do less driving that gap would technically be even bigger.

 

So I'm not exactly sure what I am to do now. I might just have to wait until I have that down payment to make my payments where I want them even tho the above way I could still afford it.

 

BUH decisions!

wish i can help. auto insurance is the one i dont do. =P

 

but, check out Ameriprise auto and homeowners insurance, for some people, they are really cheap.

 

888-554-6368

500.00 cheaper with gieco is a big diffrence. I also have njm for my personel and comercial policies. I may just have to do a quote myself for next term.

the gecco was actually alot more for me. =)

 

reminds me, have to shop my policies.

that's the thing, once you actualy talk to a person it may change.

that's the thing, once you actualy talk to a person it may change.

 

My geico policy has been decreasing in price every 6 months for the past 6 years. I just did a defensive driver's course, and they took some more off!

yeah im gonna call and talk to someone at geico, i've known people with geico and when you go to get your car fix it sucks BIG TIME but 500 dollars a year cheaper is a big diff. I'm hoping I can mention it to NJM once i know exactly what geico wants and maybe they will do something.

 

I also have a friend whose a detective for geico so maybe i can get a deal there too i dunno

If Geico was $1000 cheaper, I still wouldnt use them....... I watch them chop our body shop estimates down with aftermarket parts..... then still not pay bills..... You get what you pay for.....

 

NJM has been awesome with me.... 2 major RT80 accidents, NO increase in insurance for me. They pay, and pay quick.

NJM is a great Co. Tammy had an at fault accident a few years ago. She called NJM to tell them and asked how much our rates would go up with the accident and ticket. She was told we have had them for years with no problems and our rates will not go up. And we still got our rebate.

NJM is a great Co. Tammy had an at fault accident a few years ago. She called NJM to tell them and asked how much our rates would go up with the accident and ticket. She was told we have had them for years with no problems and our rates will not go up. And we still got our rebate.

 

I greatly dislike that I am 'required' to purchase something, so I have a great aversion to car insurance. However, I have had NJM since 94 (originally in their Reinsurance pool) and I have nothing but great to say about them.