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 PostPost subject: My mom is scared of me getting a car...        Posted: Wed Jul 01, 2009 4:02 am 
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Hi all!
I just turned 17 about 4 minutes ago (officially).
Anyways, my uncle owns a Plymouth Sundance Duster that he wants to sell, and I want to buy. Problem happens to be that my mom is scared to let me own a car (but she won't admit it). She keeps harping on the fact that I don't have a job, so I can't afford it, and I keep telling her that I already have the money for the car, and that in order to get a job, I need the car.
Now the problem is that I want this car, but there are other things that I need also (as in a job), but I still want the car.
I just need to find the best way to convince my mother that she should let me get the car. There isn't any harm in buying the car ahead of time, it just guarantees that it won't go anywhere when I need it, and that I will have a car and not have to ask my parents to use one of theirs (one reason I can see is keeping my mom from letting me have the car. If she can't control every aspect of my life, she isn't happy...)
Anyone have any ideas for how to convince my mother to let me have the car?

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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Wed Jul 01, 2009 4:18 am 
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pizzaboy192 wrote:
Hi all!
I just turned 17 about 4 minutes ago (officially).
Anyways, my uncle owns a Plymouth Sundance Duster that he wants to sell, and I want to buy. Problem happens to be that my mom is scared to let me own a car (but she won't admit it). She keeps harping on the fact that I don't have a job, so I can't afford it, and I keep telling her that I already have the money for the car, and that in order to get a job, I need the car.
Now the problem is that I want this car, but there are other things that I need also (as in a job), but I still want the car.
I just need to find the best way to convince my mother that she should let me get the car. There isn't any harm in buying the car ahead of time, it just guarantees that it won't go anywhere when I need it, and that I will have a car and not have to ask my parents to use one of theirs (one reason I can see is keeping my mom from letting me have the car. If she can't control every aspect of my life, she isn't happy...)
Anyone have any ideas for how to convince my mother to let me have the car?


She'll eventually open up, my mom was the same way...but I think another reason is I doubt that Duster has airbags and stuff.


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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Wed Jul 01, 2009 4:24 am 
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nookupeous wrote:
pizzaboy192 wrote:
Hi all!
I just turned 17 about 4 minutes ago (officially).
Anyways, my uncle owns a Plymouth Sundance Duster that he wants to sell, and I want to buy. Problem happens to be that my mom is scared to let me own a car (but she won't admit it). She keeps harping on the fact that I don't have a job, so I can't afford it, and I keep telling her that I already have the money for the car, and that in order to get a job, I need the car.
Now the problem is that I want this car, but there are other things that I need also (as in a job), but I still want the car.
I just need to find the best way to convince my mother that she should let me get the car. There isn't any harm in buying the car ahead of time, it just guarantees that it won't go anywhere when I need it, and that I will have a car and not have to ask my parents to use one of theirs (one reason I can see is keeping my mom from letting me have the car. If she can't control every aspect of my life, she isn't happy...)
Anyone have any ideas for how to convince my mother to let me have the car?


She'll eventually open up, my mom was the same way...but I think another reason is I doubt that Duster has airbags and stuff.

Funny thing is, the duster is safer than my dad's car the I currently have to drive... =P

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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Wed Jul 01, 2009 5:39 am 
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pizzaboy192 wrote:
Hi all!
I just turned 17 about 4 minutes ago (officially).
Anyways, my uncle owns a Plymouth Sundance Duster that he wants to sell, and I want to buy. Problem happens to be that my mom is scared to let me own a car (but she won't admit it). She keeps harping on the fact that I don't have a job, so I can't afford it, and I keep telling her that I already have the money for the car, and that in order to get a job, I need the car.
Now the problem is that I want this car, but there are other things that I need also (as in a job), but I still want the car.
I just need to find the best way to convince my mother that she should let me get the car. There isn't any harm in buying the car ahead of time, it just guarantees that it won't go anywhere when I need it, and that I will have a car and not have to ask my parents to use one of theirs (one reason I can see is keeping my mom from letting me have the car. If she can't control every aspect of my life, she isn't happy...)
Anyone have any ideas for how to convince my mother to let me have the car?


Damn kids. You all have to learn the hard way!

The cost of a car is more than what you pay for it. You have to pay taxes and for your tags. Depending on where you are, you need an inspection. Then you need to fix what doesn't pass inspection. Then you need insurance, gas, maintenance costs (brakes, tires, anything that WILL break). A part time, minimum wage job will likely JUST cover the costs of the car if you have NO trouble. As soon as you crack a head or lose a wheel, you will need a loan just to fix it and will never be able to catch up.

I tell my 6 year old daughter multiple times a day... We don't say this crap just to be mean. Just accept the fact that we've done this before and you may not see the whole picture.


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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Wed Jul 01, 2009 5:49 am 
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RentedMule wrote:
pizzaboy192 wrote:
Hi all!
I just turned 17 about 4 minutes ago (officially).
Anyways, my uncle owns a Plymouth Sundance Duster that he wants to sell, and I want to buy. Problem happens to be that my mom is scared to let me own a car (but she won't admit it). She keeps harping on the fact that I don't have a job, so I can't afford it, and I keep telling her that I already have the money for the car, and that in order to get a job, I need the car.
Now the problem is that I want this car, but there are other things that I need also (as in a job), but I still want the car.
I just need to find the best way to convince my mother that she should let me get the car. There isn't any harm in buying the car ahead of time, it just guarantees that it won't go anywhere when I need it, and that I will have a car and not have to ask my parents to use one of theirs (one reason I can see is keeping my mom from letting me have the car. If she can't control every aspect of my life, she isn't happy...)
Anyone have any ideas for how to convince my mother to let me have the car?


Damn kids. You all have to learn the hard way!

The cost of a car is more than what you pay for it. You have to pay taxes and for your tags. Depending on where you are, you need an inspection. Then you need to fix what doesn't pass inspection. Then you need insurance, gas, maintenance costs (brakes, tires, anything that WILL break). A part time, minimum wage job will likely JUST cover the costs of the car if you have NO trouble. As soon as you crack a head or lose a wheel, you will need a loan just to fix it and will never be able to catch up.

I tell my 6 year old daughter multiple times a day... We don't say this crap just to be mean. Just accept the fact that we've done this before and you may not see the whole picture.

I've taken that into consideration. Insurance is easy, guilt-trip my parents into adding me to their plan because "They have my brother on it, and he has had a car longer than I have" along with "I wouldn't even have to buy a car if you wouldn't have let him drive the old one... then try drifting it on a gravel road and end up rolling it over".
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Repairs: covered (Apprentice Mechanic at the moment... prolly not the best one, seeing as I am an apprentice under a VW specialist... and I don't get paid)
Parts: covered, local junk yard about 3 miles away.
Inspection stuff: N\A, Gvmnt around here will let you license a boat on wheels as long as it has seat belts and some way to stop it... (I've seen it done before)

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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Wed Jul 01, 2009 6:33 am 
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pizzaboy192 wrote:
Insurance is easy, guilt-trip my parents into adding me to their plan because "They have my brother on it, and he has had a car longer than I have" along with "I wouldn't even have to buy a car if you wouldn't have let him drive the old one... then try drifting it on a gravel road and end up rolling it over".


Adding you to their plan will significantly jack their rates up because you're a new driver and you're young. There's no way around that. Even though this is an old car (at least 15 year old), your rates are going to be high. If your parents are willing to cover you on interest, then consider yourself lucky.

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Parts: covered, local junk yard about 3 miles away.


They typically don't give those parts away for free. Chrysler cars from that time period weren't exactly known for their dependability (I can't even recall when they were known for their dependability...). Chrysler stopped making the car in 1994 and the Plymouth brand hasn't been around for 8 years. You should expect to have to throw some money at that car to keep it running.

What about gas? You didn't mention this. Gas prices are going back up, and even though that car probably gets decent fuel mileage, if you don't have a job, how do you plan to pay for that? In this economy, I wouldn't exactly count on getting a job anytime soon, and you don't need to have a car if you don't have a job right now. I'm sure your parents will have no problem with you borrowing their car to fill out job applications.

And there's not much you can say to convince your mother. There aren't any statistics that are comforting. People under the age of 18 are very likely to get into a car accident and die. Drivers under the age of 18 are generally stupid behind the wheel. Inexperienced drivers are very likely to get into car accidents. It's something your mother is just going to have to get over and it's something that's between you and her. You have to convince her that the statistics don't apply to you because you are mature and you don't take stupid risks. If you are a risk taker and you do have the tendency to go speeding around, then you're going to need a lot of luck.


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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Wed Jul 01, 2009 7:15 am 
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Your parents insuring you = their rates skyrocket.

My mum's went up over $90 a month because I was 16 (17 in a few months), a learner driver and a male. If you really want to cutback, get third party, it'll cover the other car and persons but you're screwed

Also, if the car is an old POS, don't bother. If you're gonna have to make, say, more than $350US in repairs to get it running half decently, that money could be better spent.

Petrol/gas/whatever you want to call it is also going to skyrocket. I don't know what its like overseas but in Australia you pay about $2-3k, get a gas (as in, natural gas) conversion and reap the benefits of paaying 50c a litre for gas compared to ~$1.30 for unleaded petrol.


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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Wed Jul 01, 2009 8:24 am 
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Yeah, but an LPG conversion is $2000+
And no matter how you work it, you buying a car is going to cost your parents a ton of money.


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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Wed Jul 01, 2009 10:02 am 
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She is probably right. The same happened with my Dad. I got my license a year before I actually started driving. The simple fact was, it took me almost a year to find a job to pay for the insurance, tax, fuel and any repairs. Thankfully, my Dad agreed to pay my first year insurance, on the basis I had a job to cover the rest of the costs. Until then, he wouldn't pay for the insurance, so I was literally stuck in getting a car until I had that all important job.

Running a car isn't cheap, especially not here in the UK. Its just over £1/litre for fuel, its ridiculous. That's about £4.50 ($8)/gallon almost. On the basis my car gets 37mi/gallon on average, that's a lot of money if you want to go anywhere. I used 1 1/2 gallons the other day just going out for a few hours with some friends. I had to cover that cost, not my friends (although I do ask them to contribute and they often do, but that's not the point).

Then you have tax. For my car, its £185/year. That's a lot. My Dad pays less than that on his car, and it's a bigger car. The reason being his car is newer and the emissions are less. In the UK we pay based on the emissions the car gives out amongst other things. Now my car is a diesel, so you can expect it to be fairly high in emissions.

Next is MOT. You have to have this to ensure the car is legally road worthy. While this only costs £40/year to be done, if you fail it, 99% of the time you end up paying a lot for the repairs to make it road worthy (which I'll talk about next). Its amazing how many people scrap the car in favor of buying a new one because the costs to repair are simply too high to justify. That happens a lot with old cars.

Repairs are going to be the worst cost you'll (hopefully never) face. My last MOT cost me £240 in repairs. New front brakes, new number plate for the front and repair to a bad earth on the rear lights. That hit me fairly hard since I didn't expect the brakes to need doing so early in my owning of the car (I only got it 5 months previously).

Now, that said, I'm in a similar situation as you now. Though I have the car, my insurance renewal is due in August, and I have no way to pay it. I have £300 in the savings account for my car, and last year my insurance was £950. That's a lot. I have no idea how I'm going to afford it yet with no job and the government playing games with me again and not giving me my benefits. I just have to hope my Dad will help me out, but I can't rely on that. He has his own bills to pay without covering mine as well.

So I hope what I've said makes you think about what you're getting into when owning a car. Its not as simple as you think, and when it comes down to owning one yourself you'll realise that.

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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Wed Jul 01, 2009 10:16 am 
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Besides "standard" repairs, including your services, don't forget tyres. Legally they can't be bald, retreads are cheaper but 4 new wheels will set you back a few hundred.

Also be ready for surprises, including broken windscreens, faulty lights and theft. I still need to get a replacement windscreen for my car which will be $170 itself.

And whatever you do, unless its a newish car, DON'T waste all your money on audio!


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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Wed Jul 01, 2009 4:07 pm 
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Even if you do get added to your parents' insurance, depending on the state, you'll be paying out the wazoo. I'm 18, and on my parents' insurance, and it's $1500 USD/year in Massachusetts for my '95 Plymouth Voyager.

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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Thu Jul 02, 2009 9:36 am 
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If you have the money, buy it. It's your money and not your Mum's.

I would seriously suggest not running the car though until you can afford insurance and running costs. You could always start fixing things on it, if needed, in the time between getting it and being able to run it.

So yeah, I'd buy it, but please don't run it until you can afford to.

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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Fri Jul 03, 2009 12:45 am 
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I don't have insurance on my car.

I just bought the car and...yeah

You dont know how expensive insurance is on a BMW.

I'm a relatively safe driver, but occasionally I hit my mail box or the garade door :(

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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Fri Jul 03, 2009 12:57 am 
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motherboardlove wrote:
I'm a relatively safe driver, but occasionally I hit my mail box or the garade door :(

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NOTE: The above is VERY VERY VERY bad advice. lol :P

I am safe as well... only incident I have had was the first time behind the wheel of a car (2 days after my 14th birthday) and I whipped the front end around too soon, dinged up my brother's car pretty badly... (He doesn't know yet, and you shouldn't tell him =P I'm still playing it off as "it was your fault you wanted it parked at that airport")

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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Fri Jul 03, 2009 1:23 am 
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Ive never crashed anything. Not that hard just don't go fast in small spaces lol.


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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Sat Jul 04, 2009 3:47 am 
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motherboardlove wrote:
I don't have insurance on my car.


So, you pay the 500 bucks to drive an uninsured car?

Man, are you going to be screwed royally if you ever cause an accident.

And I hope you don't go to North Carolina. The state law there is that you must have car insurance to drive on their roads.


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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Sat Jul 04, 2009 4:03 am 
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Insurance for a BMW is waaaaaayyyyy past 500$. I only occasionally hit my mailbox or garage door. occasionally.

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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Sat Jul 04, 2009 6:55 am 
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motherboardlove wrote:
Insurance for a BMW is waaaaaayyyyy past 500$. I only occasionally hit my mailbox or garage door. occasionally.

Hmm, $500 a year. If you're a CEO of a multinational corporation then your yearly salary is what, a minimum of $60,000 p/a? You're either bulshitting (again) or an obsessive tightwad.

I have been the victim of beinghit by an uninsured driver and I think anybody who drives uninsured is a [censored] moron.

As for being a safe driver; I would consider someone to be a safe driver if they have no self-fault accidents... "Sometimes i hit my mailbox" implies you drive without due care & attention.

Oh...and I'm insured on a BMW 540i at £450 p/a fully comp...it really isn't that bad. I'm only 20.

To be quite honest if you had any financial aptitude, you'd pay the $500 p/a. It's a hell of a lot cheaper than paying out for a new car & damages to any other involved parties....yes?

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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Sat Jul 04, 2009 9:28 am 
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Looking at the BMW US website, the cheapest your looking at for a sedan would be 36k, 85k+ for the M5 Sedan not counting on road costs. The idea that someone would buy one of these (disgusting wastes of money) machines for a price like this then not be willing to pay for insurance defies logic.

ADD: Back on topic, Pizzaboy, I think you should wait till you have a job before worrying about getting some wheels, and remember, if your getting the car to drive to/fro work then you need to deduct petrol costs when budgeting with your earnings.

ADD 2: Petrol = Gas. Down here Gas is called Petrol, and gas means LPG (Liquified Petrolium Gas a.k.a Autogas)


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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Sun Jul 05, 2009 12:45 am 
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hougtimo wrote:
Oh...and I'm insured on a BMW 540i at £450 p/a fully comp...it really isn't that bad. I'm only 20.

Sounds very cheap indeed - I got my licence about 5 years ago now but haven't actually used it since - when I got it (at 18) it was going to be £600 a year just to add me onto my parents' policy for their '93 Golf 1.4! I assume for that price it must be your parents' policy and a fairly old Beemer, but still sounds very good, I'm surprised you can even get a deal on something that powerful at 20!

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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Sun Jul 05, 2009 7:41 am 
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Vista Ultimate R2 wrote:
hougtimo wrote:
Oh...and I'm insured on a BMW 540i at £450 p/a fully comp...it really isn't that bad. I'm only 20.

Sounds very cheap indeed - I got my licence about 5 years ago now but haven't actually used it since - when I got it (at 18) it was going to be £600 a year just to add me onto my parents' policy for their '93 Golf 1.4! I assume for that price it must be your parents' policy and a fairly old Beemer, but still sounds very good, I'm surprised you can even get a deal on something that powerful at 20!

It's actually my own policy, me as the main driver for 10k miles a year. I do have both my parents as secondary drivers on the policy though which brought it down a fair bit. I do have 3 years NCD which helps too aswell as a plethora of advanced driving qualifications (although i think those only saved me around £50 p/a).

The vehicle is a 1999 model, so around 10 years old.

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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Tue Jul 07, 2009 3:49 am 
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I got my Learners in May ( Getting my fulls in August), and I am taking my Defensive drivers course on the 20th. I got my car ( 2001 nissan sentra SE) three days after I got my learners, and am waiting to take my defensive drivers before I get insurance as it will cut the cost in half. Petrol is not a problem, as I have a job that gives $300 every two weeks.

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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Wed Jul 08, 2009 4:06 am 
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UPDATES:
I Have a job (For now) as of today... first day of work... and I never wanted to see exactly how beef comes about (I got to see the whole process from birth to death today, thankfully no butchering though *shudders at the thought*)
I have permission to purchase the car, as soon as my uncle lets me know that it is saleable.
I am severely sunburned =\

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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Wed Jul 08, 2009 7:34 am 
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I just worked out insurance costs for my car from RAA Insurance here.

Vehicle: 1991 Holden COMMODORE EXECUTIVE VN
6 Cylinder Automatic (3.8L)

Comprehensive Insurance Premium

Yearly $4,271.22
Monthly direct debit (no extra charge) $355.94

Third Party Property Damage Insurance Premium
Policy Amount Yearly $460.77
Monthly direct debit (no extra charge) $38.40

Motor, Fire, Theft and Third Party Property Damage Insurance
Policy Amount Yearly $661.20
Monthly direct debit (no extra charge) $55.10

That's just insurance alone for someone driving 1 year with no accidents, fines etc.

Have fun.. :?


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 PostPost subject: Re: My mom is scared of me getting a car...        Posted: Wed Jul 08, 2009 10:00 am 
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Meh, I'd just get put on my parents insurance policy (aka Top Gear Style)


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