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Budget Car Insurance UK
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Car Insurance for College Grads – How to Get the Best Rate
This video shows you how to get the best rate on car insurance rate if you’re a college grad.
Open Question: Would it be better to keep making payments on my totaled car, and use insurance money for a new one?
Here is the situation:
My car was stuck by a semi from the rear, and the truck driver’s company who has their own insurance company, has given me a check for the car, claiming it to be totaled.
This is where things get tricky, The company DOES NOT want my totaled car, stating the title will be delivered to the shop or person in possession of the vehicle, who happens to be me.
Now I have my car which has sever damage done in the rear driver side, and a check for the car in an amount to pay the entire loan off. The damage to the car can be fixed, and the car is drivable and also has a brand new engine.
Another twist to the story is that I am moving in a couple of months (mostly delayed by the fact that i have physical therapy to attend) And otherwise have cut off most of my ties to my current hometown, and in desperate need of a vehicle.
The vehicle i planned on purchasing next is priced at $5,400 but the dealer said he would give me a better deal if i decided to pay cash instead of financing. My car loan is currently $7,493, and the check i am receiving for the car is $7,700.
Now this car was my first major purchase, and besides a credit card, a cell phone, I have nothing else in my name, and did not qualify to finance the motorcycle with the price at $5,400 without a co-signer.
Now I am only 20 yrs old, and have had my car for 2 whole years this July. Would it be better for me to pay the loan off on the car, then try again to apply to be financed on the bike, or to take some of the payment for the car to buy the bike outright, use whats left towards the loan and continue making monthly payments of $230.
In my eyes either way I will have a car note, and I am moving to Hawaii (for school) So the car was never in my plans to begin with, and now I would have a payed for car that i was going to give to my dad (who owns the shop) to fix for my younger brother anyways. And I was going to ship my bike over because cost of bike + shipping is still cheaper than total cost of the bike in Hawaii.
And I don’t know much about it, but would I in any way qualify to refinance the car, say if I did make a lump payment of $2,000 or $3,000 bringing the loan down to $5 or $4,000 would that help lower payments any?
Thanks in Advance for any and all help!!
Open Question: What did I do wrong in this?
I redid this budget again, and something still seems wrong.
HIGH COST
NEW Lambo Gallardo (10% interest)-appx$5200/ month(4 year loan, cost $225K, ttl 250K)
MERCEDES ML63 AMG (10% interest)- appx$2300/ month(4 year loan, cost $100K, ttl 110K)
Casual Vehicle (10% interest)-appx$1150/month(4 year loan, cost $50K, ttl 55K)
Mortgage ($720,000 house- 10% interest)-appx$3300/ month(20 year loan, ttl $792,000)
Groceriesappx$400/ month($100/wk)
Cable, Internet, TVappx$200/ month
Cell phone appx$75/month
Luxuries appx$1000/month
Electricappx$250/ month
Savingsappx$1000/month
Car, Health, Home Insuranceappx$2500/month
Gasoline (for vehicles)appx$600/month
Heating/ Cooling(Oil)appx$100/month
Miscellaneous Expensesappx$1000/month
DEMANDING SALARY- $228,900/ yr
LOWER COST
NEW Lambo Gallardo (10% interest)-appx$1400/ month (15 year loan, cost $225K, ttl 250K)
MERCEDES ML63 AMG (10% interest)- appx$1550/ month(6 year loan, cost $100K, ttl 110K)
Casual Vehicle (10% interest)-appx$770/month(6 year loan, cost $50K, ttl 55K)
Mortgage ($720,000 house- 10% interest)-appx$2200/ month(30 year loan, ttl $792,000)
Groceriesappx$400/ month($100/wk)
Cable, Internet, TVappx$200/ month
Cell phone appx$50/month
Luxuries appx$400/month
Electricappx$225/ month
Savingsappx$600/month
Car, Health, Home Insuranceappx$2500/month
Gasoline (for vehicles)appx$400/month
Heating/ Cooling(Oil)appx$100/month
Miscellaneous Expensesappx$1000/month
DEMANDING SALARY- $141,540/ yr
Resolved Question: What did I do wrong in this budget?
I an trying to figure out how much it will cost me to afford all the things I will want. I know I went wrong somewhere wrong here: can you take a look and let me know where you think I went wrong?
HIGH LIFESTYLE, HIGH COST
NEW Lambo Gallardo (10% interest)-appx$6900/ month(4 year loan, cost $300K, ttl 330K)
MERCEDES ML63 AMG (10% interest)- appx$2300/ month(4 year loan, cost $100K, ttl 110K)
Casual Vehicle (10% interest)-appx$1150/month(4 year loan, cost $50K, ttl 55K)
Mortgage ($720,000 house- 10% interest)-appx$3300/ month(20 year loan, ttl $792,000)
Groceriesappx$400/ month($100/wk)
Cable, Internet, TVappx$200/ month
Cell phone appx$75/month
Luxuries appx$1000/month
Electricappx$250/ month
Savingsappx$1000/month
Car, Health, Home Insuranceappx$1000/month
DEMANDING SALARY- $210,600
HIGH LIFESTYLE, LOWER COST
NEW Lambo Gallardo (10% interest)- appx$1900/ month (15 year loan, cost $300K, ttl 330K)
MERCEDES ML63 AMG (10% interest)- appx$1550/ month(6 year loan, cost $100K, ttl 110K)
Casual Vehicle (10% interest)-appx$770/month(6 year loan, cost $50K, ttl 55K)
Mortgage ($720,000 house- 10% interest)-appx$2200/ month(30 year loan, ttl $792,000)
Groceriesappx$400/ month($100/wk)
Cable, Internet, TVappx$200/ month
Cell phone appx$50/month
Luxuries appx$400/month
Electricappx$225/ month
Savingsappx$600/month
Car, Health, Home Insuranceappx$1000/month
DEMANDING SALARY- $111,540
Low Cost Car Insurance | Car Stereo Answers
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