re: When do you decide to get a new vehicle?

Do you understand how LIABILITY works? Every single time your dumbass runs from the question. It has nothing to do with the value of your vehicle. If your net worth is 2 million and you have a liability limit of 25k, your exposure is enormous.

You try to act like a fricking big shot on here, but continue to prove how fricking retarded you are daily.

No one with a net worth of 2 million is driving around willingly with zero coverage to protect said net worth.

We can all thank you I suppose, once Gordon milks your arse dry to pay for some NIL deals because you don’t have basic understanding of liability.

Do you work for an insurance company?

Answer the question moron. You cause an accident and cause 250k in damages. You have 25k in coverage, where do you think the rest of the damages come from?

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You cause an accident and cause 250k in damages. You have 25k in coverage, where do you think the rest of the damages come from?

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Physical damage is the least of worries.

I’m 46, never been in an accident. I don’t drive like an a-hole. frick you and the government for forcing me to give you money every month.

I’ve never gotten money from you, can I give you my venmo?

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When do you decide to get a new vehicle?

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I am thinking it was the 1990's

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Desire to ensure safety and dependability

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One of the cheapest to insure and get work done
Pretty dad gum dependable but not attractive to kids (grandpa vehicle)

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Should I drive it until it dies and donate it to a junkyard or start looking for a similar deal?

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When I buy a vehicle it is all cash, no debt
Have a tiny savings account for vehicle, as soon as I get new I start saving to buy the next one. If I die first, it is my funeral savings account.

I dislike the move to trucks and SUV's as this is based non getting consumers to buy them as manufacturers have higher profit margins. Sedans are preferred but they are being phased out

Best is to get low milage yet high appearance from older people you know or someone else knows so you get good history of their habits. Little old ladies may have immaculate cars they never bothered to change the oil in. Little old men may have embraced their youth in mechanical wear and tear.

I like quiet sedans for daily use and road trips
I like cheap vans (trucks & SUV's too expensive) for hauling, towing, or fishing

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You cause an accident and cause 250k in damages. You have 25k in coverage, where do you think the rest of the damages come from?

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Considering even shitty new cars are $30-40k, even a “fender bender” can exceed those limits.
Factor in that a third of all drivers are uninsured, you’re really screwed if anything happens regardless of whether it’s your fault.

When the upkeep and maintenance becomes more expensive than the actual value of the car.

easy way is whenever you feel the need to

my cousin buy brand new truck every 3 years no matter what. the money he wastes doing it is insane but it makes him happy and he justifies it by saying his vehicle is always new and under warranty. i even tried to make a deal with him to let me go with him to buy his next one and buy it from him at book trade-in value but he is an a-hole so he wanted no part of it.

most people buy vehicles only when its needed because money is tight. that covers 80% of those buying.

the other 20% is like my cousin and is covered under "i have the money so i dont care" catagory.

i think its as random and individually different for each person as who you pick to marry