Cheaper means of transportation?
So basically the insurance rates in new jersey are so ridiculous i can't afford to finance a car (witch i would have to do to get a new one since mine is near death) because of you needing comp and collision for basically any car is nearly 400$ a month from multiple companies. Its totally outrageous i don't know how any 20 year old like myself can afford that and have a reliable means of transportation. Public transportation isn't really an option for me seeing as my mom doesn't drive so anytime her or my little sister have a doctors appointment or need anything i'm the one who goes and gets it for them. Also i work varying shifts so that also makes things weird, basically needing my own transportation.
I know a motorcycle is an option but seeing as i can't really drive it in the winter or in the storms (it seems to rain 3 times a week anymore) it isn't really a realistic choice for me either.
Does anyone have any helpful insight of anyway i can either cut the insurance cost by nearly half to finance something or just another type of vehicle to drive?
Btw the cars i was getting quoted for weren't sports cars either they were just you're basic affordable sedans. Ford focus Kia forte Subaru impreza and things like that. The insurance cost is nearly double of the cost to finance the car. With my parents to cosign for me plus with bonus discounts the car is like 250 a month and the insurance is 380-475 depending on the car and company. Sometime please help me out here.
"Sometime please help me out here"
Not sure how you think we can "help you out here", other than to tell you to become a doctor, lawyer, or Indian chief.
Pay cash for a car. Then you don't need to have full coverage on the insurance.
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