Car blues. :( Could use some advice from the experienced. - Page 3 - The Horse Forum
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post #21 of 24 Old 02-09-2016, 01:08 AM Thread Starter
Trained
 
Join Date: Apr 2009
Location: Ashland, OR
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I have my two horse trailer that I bought when I was fifteen, I don't want to sell it, but part of me knows I don't haul it anymore and could use that money for a car payment. I just don't want to be left with ONLY the bf's trailer, because a) it's not mine and I'd feel awful if something happened to it and b) it's big, sometimes I like the small trailer for parking purposes in tight spaces.

Decisions, decisions. I would hate to regret selling it.

Pssh.I didn't pick up the wrong lead
It's called a counter canter...
...A very advanced maneuver.
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post #22 of 24 Old 02-09-2016, 10:35 AM
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Don't sell your trailer unless you think you could afford to buy a new one in a year or so IMO. Being that your car is old that should make your insurance cheaper...its not worth as much so if something DOES happen to it they don't have to pay out as much for you to get a new one. Have you gotten many tickets or something?

Too bad you werent in VA when I put my car for sale :) I was selling my 2004 sunfire with only 32k miles for $3000 haha! It was supercharged and what not though so not the best gas mileage. Had to sell it for money to buy my horse fence...and I didn't feel like moving 6 hours with my two vehicles, horse trailer and husbands car :(

I believe geico or one of those providers offers a new safe driver discount? Like they put something in your car to rate your driving and you get money off for driving safely? Maybe look into that? At 22, with one newer car on full coverage and my other car on liability I still think I paid less then 130 a month :( I feel like your insurance agent is jerking you around! As long as you have a clean record AND an older car thats just on liability your payments should be pretty darn cheap!
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post #23 of 24 Old 02-09-2016, 11:49 AM
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As far as car insurance goes, my insurance for my Equinox works out to a little over $100 a month. We save money by paying the insurance for the full year, and bundling all our vehicles together (3 vehicles total plus my horse trailer). They discount it if you pay the full balance. We could pay monthly if we wanted, but then it works out to more money a year because they charge you more to do that.

So even though it might not be feasible for you, just know that most insurance companies WILL charge you more for paying month-to-month, than taking care of the whole balance for the year. Sometimes if you can even pay an entire quarter at a time, you can save a few bucks.

Our insurance agents always shops around for policies each year for us to give us the best deal. For a while we had NorthStar?? I think it was. Now we have Auto-Owners. Rates are always changing so he looks to see what is the best bargain. Which is the whole reason we have an insurance agent.
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post #24 of 24 Old 02-09-2016, 02:54 PM Thread Starter
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Join Date: Apr 2009
Location: Ashland, OR
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No record on me at all, no tickets, no accidents, nothing. I've hardly ever even been pulled over before, and when I have they always let me go with nothing.

Man if only I had the horse opportunities now that I had working at Bar Eleven. It was much easier for me to afford things then.

Pssh.I didn't pick up the wrong lead
It's called a counter canter...
...A very advanced maneuver.
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