- #1
mattmns
- 1,128
- 6
I currently ride my bike to the bus stop and then ride to school on the bus, but lately it has been getting extremely cold, and I have been considering getting a cheap car and driving to the bus stop and going from there. The question I have though is about car insurance. I am 20, not married, and don't have a driver's license (meaning my driving experience would be zero), I do qualify for those good student discounts, but still my quote for a cheap car for 6 months of the minimum insurance is $940 ($240/mo). That, in my opinion, is an outrageous rip off, so I have been considering not getting insurance at all, I am going to look up what the fee is for being caught w/o insurance just to see what would happen were I caught.
My situation, more specifically is the following. I would be driving 4 days a week, less than 3 miles a day. I would be essentially driving for less than 10 minutes a day. Which equates to 10min * (~) 18days/month = 180mins/month = 3hrs a month of actual driving time, which will cost $240! I am not sure if I am missing something here, but to me that seems like a total rip off (maybe it is because I don't work). Is this really the scenario? Any advice? If insurance is really that much, and you were in my situation, would you purchase insurance at all?
My situation, more specifically is the following. I would be driving 4 days a week, less than 3 miles a day. I would be essentially driving for less than 10 minutes a day. Which equates to 10min * (~) 18days/month = 180mins/month = 3hrs a month of actual driving time, which will cost $240! I am not sure if I am missing something here, but to me that seems like a total rip off (maybe it is because I don't work). Is this really the scenario? Any advice? If insurance is really that much, and you were in my situation, would you purchase insurance at all?