paparoach429 wrote:The srt-4 range from 03'-05'. If i got a personal loan from my bank would I still have to have full coverage on the car? The car is "technically" paid off as far as the bank knows.. How do they know what I spent the personal loan on. I dont want a car thats too expensive since I dont drive too many miles to work and pleasure. Also this is only going to be my second car and I dont want to have payments too long and my job isnt too established.. Granted I work at FedEx and I most likely aint going to be laid off but Ive only been working there a little over a year. I want a car that I can pay off in under 3 years and after that I will probably be full time and I will be able to afford a car thats alot better/newer.
paparoach429 wrote:I was thinking about it because full coverage for my age literally triples or quadruples the price for insurance. I was thinking about having full coverage for maybe the first year and then liability after that. Its also wierd that Progressive quoted me only $210.00 a month when most other places were in the high $300s or $400s. I gave them the VIN for the car so its not like they couldve gave me a quote for a regular Dodge Neon could they?
paparoach429 wrote:So you think that was an accurate price? I dont know much about insurance coverages so idk what I should go with and what is fair but thats the lowest quote ive gotten for an srt-4. Now I just have to figure out how im going to go about getting the car: Save up the cash, get a bank loan, finance through the dealer etc..
paparoach429 wrote:I understand what you guys are saying as far as to get another car I just dont want to get myself in the same boat as I got into with mine. Every month something unexpected breaks and Im forking over hundreds of dollars to get it fixed. My clutch went out last year right before Christmas and that was an $850 unexpected charge on my card. Ofcourse there were alot of months all I had to do was put gas in and drive it but there were ALOT of months that repairs were needed. I dont see the point in buying another beater when Im obviously going to run into the same problems. I bought my car for $1000, and in the 2 and a half years Ive had it I put just under 3k into it! If I was going to go the beater route again Id probably stick with another Ford Probe Gt since like I said I have about 3k in parts under lifetime warranty. I just kind of want to take the next step in life and get something bigger and better. As far as the insurance goes it wasnt the plain basic coverage for Illinois (I believe 20,000/40,000) it was the next step up 25k/50k. And how exactly does the "snapshot" thing work?