How much does your Si cost you each month?

longthaitran91

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Car payment: $343 (Lease with 0 dollars down)
Insurance: $87
Gas: $80
Maint(est): $TBD
Upgrades(est): About $1100 so far, but plenty of things to do still
Total per month:$510
Also im 23 years old if that helps
Why is your insurance so damn cheap?
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pkwon121

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Why is your insurance so damn cheap?
Dude I have no idea, I was actually blown away. I'm 23, have full coverage, and I'm going through progressive. Like I was expecting at least 100+ for insurance but I'll take it :D
 

Pekingduck

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Car payment: $240
Insurance: $190
Gas: $280
Maint(est): $50
Upgrades(est): $3000 total upgrade probably call it quits

My work requires me to drive but I get paid for my upkeep.
 

racer

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Mine is priceless!

Once you start adding up receipts, it never ends well ;)
 

SDSiCoupe

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Mine is:

Car payment: $721.42 (financed for 36 months at 1.9% and zero down)
Insurance: $128.91
Gas: $170
Maintenance: $20
Upgrades: $50
 


ladysi

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Car payment: $400
Insurance: $100 (my ex wife was a millitary brat... when we got divorced I kept usaa....)
Mods: $300 or so averaged out from the past year.
Gas: $150? (93 octane, I like to drive)
Unlimited touch free car wash: $30

So average monthly cost over the past year: just shy of $1k
 

liljay2008

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I know, a lot of us don't even want to think about this lol. Still, it's sometimes a good wake up call just to see how much money car ownership costs nowadays. For myself:

Car payment: $0
Insurance: $60
Gas: $120
Maint(est): $20
Upgrades(est): $0
Total per month: $200
So there you have it, 200 bucks to drive 1,100 miles a month. Right now my maintenance consists of oil and wiper blade changes, of course it will go up as time moves along.
2 reasons. Mainly because I'm in university for the next 1-2 years and after that I don't know where life will take me.. I can still buy the car at the end of the lease if I choose to, so if life takes me that way, then that's great too. A lease did make more sense at the time too. The Finance payments were substantially higher than the lease payments (700+ dollars for a 48 month lease) without a down payment or 650 with 1k down. I got stuck in a weird situation where I needed the car for work, but since I hadnt yet started my job, I didnt have a substantial amount to put down and lower the finance payments. (This is my first car, I had no trade in options, etc).

so it was either put 1k down and pay 350 a month for 36 months (Knowing thats well within budget and any future jobs and within the time ill be in boston) or pay 650 or more a month for 48 months. The choice was also influenced by amount on hand, this is my first job and I got incredibly lucky with the pay but before this I didnt have very much because well...I'd never had a serious job beyond summer jobs. Its not like a lot of you who have had income for years, or could trade in and still have money left over. This was my first car, for my first job so as such I had no trade in options, and no options to put down more money or pay high finance rates so I took what I knew I'd be able to pay right there and then and could keep up with my job as soon as paychecks came in. Its a weird situation to be in because of that. It was a situation where the thing enabling me to get the car, required the car so I paid with what I could and a lease was just the only option that worked for me at the time.
i wish I was you when I was 18...
 

liljay2008

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An old French proverb: It doesn't matter what the bottle is as long as you get drunk.( Musset )
This applies to the SI: no matter what the cost, you have so much fun driving a SI.
:D Y’all crack me up on this thread lmao
 


Gagerr

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$342 payment monthly
$240 insurance monthly
$240 gas monthly
~$20 maintenance monthly
~$100 mod monthly
 
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ebhaynz

ebhaynz

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Car payment: $343 (Lease with 0 dollars down)
Insurance: $87
Gas: $80
Maint(est): $TBD
Upgrades(est): About $1100 so far, but plenty of things to do still
Total per month:$510
Also im 23 years old if that helps
Ohio is the 8th cheapest state for auto insurance at $1,175 per year and that's almost exactly what you're paying!
 
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todda

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I'm not trying to be mean, I'm only trying to help. I know people with house payments less than what you're paying for your car+ins etc. You're never too young to start making smarter investments. In 3 years you will have paid out $26k in lease/insurance payments and have absolutely $0 (nothing) to show for that.

To put your purchase in perspective, Im also looking at buying a Civic Si; Im 41, no house payment, $110k+ income, and $0 monthly debt. My car payment on the Si will only be $275 for 48mo @ 2.9% ($12.5k down payment from my wrx trade $12.5 financed).

I could pay it off, but im going to gamble that i can make more investing the money instead. Insurance is $125 a month. Sell your car (you can easily drive something as fast with less insurance costs) and go buy some property, or invest it. I wouldn't even have a $400 car payment with my income, let alone a $400 insurance bill.
I will chime in here as a 47 year old male who bought a similar car as the new Si, a 2003 Acura RSX-S, when I was about 31 yr old and a few years out of school with a decent paying job. I had no student loans of any kind, rent payment of $750/mo, no cell phone bill, no kids, and had a car loan that was around $250/mo that I paid off early. My insurance was cheap too based on my age.
Overall, it is quite foolish to encumber yourself with these 'unnecessary expenses' when you are young or in school, when in all honesty, you should be driving a shitbox or similar that just gets you from A to B and is cheap to operate. Trust me, my first car was a shitbox and I appreciated my 2nd car a lot more as I had to achieve a lot to earn the $$ to purchase it. A car is a terrible investment and as the user says above, any extra $$ should be saved and not put into a new ride that will likely get beat up parking outdoors, driving around a college campus, etc.
I have a 2018 CTR and I only got it b/c I can afford it and felt I deserved it because I work hard at my job, not because I had to have it. Finish your education, get a decent paying job and get on solid financial footing, and then go ahead and purchase something like an Si or similar. Sorry about the 'get off my lawn' rant too, but it needs to be said. Part of why young people struggle financially is that they want instant gratification===you will be better off if you delay this a few years.
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