1 month car insurance

Facing the end

The end of the automobile comes in many guises. Some people choose to live in a post automotive world for moral or social reasons. Some, like Boulder's Ryan Van Duzer have never even driven a car. He is about to set off across the US on a 3 speed cruiser bike. Many others are trying to wind down their car habit by biking and walking more. For most of us, a car is a necessity for daily life. Until communities are designed to be navigated by something other than cars we're going to need some motorized transport. Sometimes the end comes with a whimper. The $7 Accord went that way two weeks ago. I had an opportunity to buy a small Subaru wagon and I couldn't in good conscience pass it on to anyone else. 20 years, even in Colorado's rust free climate, is a long time for a car. Honda is one of the better manufacturers when it comes to supplying parts for older cars but even they get disinterested after a quarter century. Eventually the list of little things that must be fixed adds up to a good down payment on something newer. This sort of unplanned and unavoidable end is the hardest on people. If you need a car for work as she does you have to get going on a replacement process immediately and without the luxury of much research. You are tempted more than usual by emotional rather than informed decisions that can be costly in the long run. Pam knows she can afford a payment of about $250 a month and is hoping that her insurance will give her $5000 or more for her 9 year old 200,000 mile car. Using the payment calculator at Edmunds.com that gives her a budget of about $17,000 including sales tax. A tricky price range given her need carry a lot of gear for her job and her preference for 4 wheel drive. Since her payment is based on her average reimbursement for mileage fuel economy is a big issue too. The list of new cars that fit the criteria and the budget is pretty short. Used cars are a good value...

Read more...