Hey everybody!
So proper now, I am deciding whether or not I can purchase a automobile or a scooter for my first car.
At present I’m going to work by taking an Uber to the closest practice station and go from there, so in whole I spend about $320 every month on transportation prices. However in fact, if I wanna go to Walmart or the physician or no matter, I might should take an Uber that are annoyingly costly.
I have been saving up for a automobile for some time however I’ve gotten away with not essentially needing one lengthy sufficient that I’ve simply… Not purchased one. I’ve additionally by no means pushed earlier than (I did not have to in my dwelling nation earlier than transferring to America), however that mixed with the truth that I am below 25 years previous, signifies that insurance coverage corporations quote me for round $500 a month.
Even when I bought a brilliant shitty beater automobile, I might nonetheless pay extra on insurance coverage alone than I’d on the automobile itself which appears insane to me. I get {that a} younger grownup with no driving expertise is a danger so in fact I am gonna get an insurance coverage coverage with such a excessive value.
However I am considering… would not or not it’s higher if I purchase a maxiscooter as an alternative? A lot of the roads I might drive round are max. 45 mph, a lot of the locations I might drive to together with the practice station are all inside a ten minute drive. A scooter can be comparatively low cost, and liability-only insurance coverage is dust low cost for a scooter.
I would not have complete/collision protection but when I had been to crash with it, it would not be the top of the world as I might nonetheless get to work regardless. I doubt I might trigger a lot harm to greater vehicles if I crash into them, if something I might be extra apprehensive about accidents I might get from crashing however my medical insurance is basically actually good so I would not spend a lot cash there (I hope).
To me it makes extra sense to get a maxiscooter to get round city, and as an alternative of paying $500 a month for insurance coverage I might solely pay that for your complete 12-month coverage.
I am very new to all this insurance coverage stuff, which is why I might such as you guys’ opinion. Particularly about how silly this concept is likely to be, if scooter driving (particularly scooter over 300cc) would depend in direction of my driving expertise to finally decrease automobile insurance coverage prices, that type of stuff.
Thanks!
