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Old 02-16-2003, 02:49 AM   #1
SpeedRacerWRX02
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Member#: 24141
Join Date: Sep 2002
Location: Ludlow
Default Crapola!!!!

Ok here's the deal. As we know i pay an arm and a leg for my car payment. Also, as we know i had the run in with the guardrail. Also, as we know i got a ticket on my way to canada in late January. Well, i got my 1st insurance payment of the new year and it pumped up quite a few dollars a month. So as i was doing some calculations i came up with a shocking and startling discovery. If i get the ticketand my insurance goes up some more i can't really afford my car. I pay 548 for it and now i pay i believe 285 or so insurance and the ticket, if i loose the court case, will pump me up also. The way it is now is tough for me to do. I have a good job and get paid pretty well. The fact is that i'd be squeeking by. So wish me luck i'm sending in my "not guilty" ticket on monday then i will be assigned a court date to drive 4 1/2 hour to upstate new york to fight it. In the mean time if there is something on my car u wanna buy let me know. Spread the word. Also, the car is kinda up for sale now. I'd like to have a buyer lined up by the time my case is. So if i win i can tell him no and if i loose i can hand over the keys. It's unfortunate and it blows ballz but thats how it has to be. Well there is my half vent and half sad story. sorry it's so long.
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Old 02-16-2003, 08:08 AM   #2
jamz
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Member#: 8725
Join Date: Jul 2001
Chapter/Region: NESIC
Location: Portland MAINE
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2013 Black Company
Annalist

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Old 02-16-2003, 09:59 AM   #3
KC
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Member#: 442
Join Date: Oct 1999
Chapter/Region: NESIC
Location: RI/SE Mass
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17 OK Sport
00 S2000

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Sorry to hear to see you're in this tough spot.

Now do you understand the conversations sometimes that we have here?

How can a young person afford a car like this? They will speed (you're still innocent until the court day) and they will get into accidents, even some not their fault.

Insurance is ALWAYS high until you hit at least 25. And you live in W. mass! Imagne if you lived in the vicinity of Boston?

What happened to you, beleive it or not, is NOT unique. You're in the average for people your age. If it were any different, your premiums wuold not be as high.

Also, why did your insurance go up if you were not at fault? What did you claim the insurance on?

Good luck. Buy a beater, (or if you want to stay with Subaru a used 2.2 or an OBS) and you'll be fine for a while.

Oh, I speak from experience. When I was 18, my insurance was quite high also, on a 74 dodge dart (Around 1800/year. That was a lot for 1988 dollars.)
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Old 02-16-2003, 10:32 AM   #4
Deslock
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Join Date: Jul 2001
Chapter/Region: NESIC
Location: western MA
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2013 BRZ limited
1999 Nova RTS

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Sorry to hear that. This may not be too helpful, but I'm surprised at how many 18-23 year olds have WRXs... or new cars at all, for that matter. I'm the old geezer of the WMIC group, so I might as well play the part... back when I was your age, my friends and I all drove beaters that we bought at junk yards. Seriously. We spent our time just keeping them running, nevermind trying to make them faster. Well, that's not entirely true.... a couple of my buddies did have project cars and one guy actually had a new firebird. But he couldn't afford the payments and had to sell it.

The fact is that you spend a hell of a lot more in vehicle cost and insurance for a new car. Especially something like a WRX. The WRX is my first new car and my per-mile and per-year costs for it are much higher than anything else I've owned (GSR, Golf 16v, CRX Si, AMC Hornet). And I haven't even modded it (beyond the swaybar).

Anyway, I hope you can work it out so you keep it. Good luck!
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Old 02-16-2003, 12:10 PM   #5
LinuxGuy
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Chapter/Region: NESIC
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Holds 1000lbs.

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Quote:
Originally posted by KC
Oh, I speak from experience. When I was 18, my insurance was quite high also, on a 74 dodge dart (Around 1800/year. That was a lot for 1988 dollars.)
Holy geez dude, how bad was your driving record in 1988?
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Old 02-16-2003, 12:19 PM   #6
KC
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1 speed after 3 months driving and an accident hitting a pedestrian... which indeed was a case of being in the wrong place at the wrong time. There were a slew of things that were all in my favor, including the police report and witnesses, but that still didn't change the fact that i had hit a pedestrian.

She spent 2 days in the hospital but was just bumps and bruises. (If old people cannot even cross the street fine... why can they still drive??????)
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Old 02-16-2003, 08:18 PM   #7
SpeedRacerWRX02
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kc i can make the payments if the ticket goes up but it leaves me like 200 extra a month for whatever. i shouldn't have gotten the ticket the cruise was set to 75 and he said i was going 88 but he refused to give me a print out of the radar. it's not hard for young people to afford the car. i have a good job for my age i make 25 a year or so. not great compared to you older folks but great for 19 now 20. i can afford it no problem but as stated i'm young and i like to go out and what not. 200 a month for gas and whatever may be tight in the summer. but we'll see.
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Old 02-16-2003, 10:20 PM   #8
doppelganger
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Speed, I can tell you a lot also.
I had a lot of cars.
I bought a new 1990 CRX SI at age 18. Afforded it easily.
Bought a 1993 Prelude Vtec at age 21. This is where it got interesting. My payments were $340 a month. However, my insurance was also over $300 a month! I was a step 29 driver. I had all kinds of speeding tickets and a minor accident. Blown red lights, etc.... I should of lost my license twice but I had a connection in the "system". (I will elaborate in person next time I see you).
Things got WAY out of hand. I had to sell. Couldnt get the money for it to bail me out of the loan. I ended up letting it get repo'ed. This tarnished my credit pretty bad. I bought a 1994 used Miata right before the repo and I drove it for a few years. Insurance was still F-YOU high, but I love sports cars and HAD to continue driving like a lunatic. One day I bit the bullet and bought a brand new 1999 Dodge Dakota. I figured it help me settle into normal driving habits. After 5000 miles the tires sidewalls were baked down to the threads. 5000 miles!! (trucks don't like drifting to well). I hated the truck and bought a new 2000 Accord. (took a beating on the trade) The accord helped. Drove it until I bought the WRX. I am now driving with a good record and my insurance is only about $780 a year.
You have a lot of options. Unfortunately the WRX may not be one of them. I'd hate to see you end up in the gutter like I did. Trust me, you don't want to let this get out of hand. It will take YEARS to rebound. Talk to you soon..........
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Old 02-16-2003, 11:29 PM   #9
StuBeck
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Quote:
Originally posted by LinuxGuy


Holy geez dude, how bad was your driving record in 1988?
If he was paying his own insurance, that is pretty good, I'm paying 1400 a year right now under my parents insurance on a POS car
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Old 02-16-2003, 11:48 PM   #10
Red Rocket
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You might want to try re-financing you loan, depending on how your credit is. If you take a longer term, your payments should drop by a good bit.

Kevin
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Old 02-17-2003, 04:45 AM   #11
Fuzz541
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Location: Jiangxi, China
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Move to Brattleboro.
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Old 02-17-2003, 07:26 AM   #12
SubEd
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Quote:
Originally posted by SpeedRacerWRX02
kc i can make the payments if the ticket goes up but it leaves me like 200 extra a month for whatever.
I'll skip giving you my opinion on this one.
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