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How Much Should I Sell My 1991 Metro For?
Topic Started: Jan 12 2011, 03:52 PM (4,215 Views)
Jim-Bob
Junkyard Engineer

Car Nut
Jan 13 2011, 04:59 AM
JB, On a serious note here. Please excuse me if I may have come off as a bit of a jerk with my pizza insurance joke. Have you given Lowes or Home Depot a shot jobwise? I know they would have some health insurance & chance for advancement, etc. Don't have any idea how much pizza delivery pays, but with your recent pay cut & increased car insurance cost you might make out better if you could snag a new job elsewhere. Overheard a supervisor from Walmart say most WM would not be hiring since it's a new year & new budget money is available. You are correct in wanting to cover all your bases, insurance wise. With your house & assets you could suffer a large loss if something happened & your ins, company wanted to throw the fine print at you. Best of luck to you with whatever you decide.


Lowes and Home depot simply do not pay enough money for me to make my bills. I really need to make around $15 an hour after expenses and I wouldn't even make $10 an hour at either of those places. Right now I am maybe averaging $12 an hour and it hurts. I have had to conclude that my current situation is untenable because of the cost of insurance in this state. Probably 20-30% of my yearly income goes to minimal auto and home insurance because it is just so ridiculous. My homeowner's insurance does not even have wind storm coverage and only covers the mortgage company's costs-not full replacement- and I still spend $1200-1500 a year. To get proper insurance on my home would run me $3000-5000 a year. It's not a fancy house either. It only has 1,000 square feet and is worth $75k if I'm lucky. This is one of the reasons I am selling it. I don't think I will be staying in Florida when I am done with my education because of the extremely high cost of insurance in this state. Low taxes are great but not if wages are low and everything else is so expensive that it more than makes up for it.
Edited by Jim-Bob, Jan 13 2011, 12:28 PM.
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yiffzer
Forgot His Manpurse

I was gonna say... move out of Florida. Seems like a good idea. Move back there when you're a filthy rich senior citizen.
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Jim-Bob
Junkyard Engineer

yiffzer
Jan 13 2011, 12:24 PM
I was gonna say... move out of Florida. Seems like a good idea. Move back there when you're a filthy rich senior citizen.
The only reasons I am staying for now are that my family lives here and we are very close and I get a deep discount on tuition for being a resident. That may not be enough though and once I am out of school it will be time to start looking for a new place to live.
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Horn


could you rob a bank? jk. If you do move away, don't move up here to illinois, 66% hike in state income tax is about to be passed in our legislature. Also, we are second to california in being broke.....fu**in Chicago
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3tech
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Quote:
 
25/50/25 means that you get $25k in property damage liability and $25k per person or $50k max in bodily injury liability coverage. Zero deductible PIP refers to the Personal injury Protection insurance you carry on yourself. Standard is $10k in coverage with a $2,000 deductible. I pay extra to have a zero deductible on this as I have no real medical insurance and it would be very hard for me to come up with the $2,000 in case of an accident. With the $5,000 in additional med payments, I have a total of $15k in coverage for personal injury ( which covers the occupants of my vehicle in case of an accident).


That 'splains it then.

I got on my insurance agents case yesterday for my high insurance rates (I had compared them to some of my US friends), and he told me how different the coverages were. My coverage for liability, and medical is in the millions with no deductible, and there is no way I can lower it to get a lower premium.

He said something interesting. "It's not what you're going to do that you're paying for, it's what the other guy does to you that's costing you so much".
We have no fault, and I pay $60/month on my 93 GT
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JimR
Member
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Car Nut
Jan 13 2011, 04:59 AM
JB, On a serious note here. Please excuse me if I may have come off as a bit of a jerk with my pizza insurance joke. Have you given Lowes or Home Depot a shot jobwise? I know they would have some health insurance & chance for advancement, etc. Don't have any idea how much pizza delivery pays, but with your recent pay cut & increased car insurance cost you might make out better if you could snag a new job elsewhere. Overheard a supervisor from Walmart say most WM WOULD BE hiring since it's a new year & new budget money is available. You are correct in wanting to cover all your bases, insurance wise. With your house & assets you could suffer a large loss if something happened & your ins, company wanted to throw the fine print at you. Best of luck to you with whatever you decide.
Lowes/Home Depot, unfortunately doesn't pay all that much. I worked there for 5 years and only made it to $10.32/hr. If you did get into millworks or even Appliances though, you'd make hourly plus commission which is good.
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Jim-Bob
Junkyard Engineer

True enough, but I have decided that I really want to go into a profession where my intelligence and love for problem solving does not go unused. I figure that with the right degree I will be able to do something fulfilling like engineering. It's been a dream of mine for a long time and I feel that it is one I should pursue. It's the end of the road for me and pizza delivery. I may not even continue to do it as a part time job while I am in college because when cutting to 20 hours a week the expenses skew against it.

I will also say that this is not the end of Metro ownership for me. When I sell the blue one I will still have the white one to play with for a while and will still be sticking around. I won't be insuring it for delivery though unless the numbers change. I'll just keep it on minimal insurance as a pleasure car so I can experiment with fuel mileage mods and use it for trips and parts chasing. If I don't keep delivering while in school it may even become my daily driver. I have grown attached to these little cars and like having at least one of them around.
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Horn


Jim-Bob
Jan 14 2011, 12:12 AM
True enough, but I have decided that I really want to go into a profession where my intelligence and love for problem solving does not go unused. I figure that with the right degree I will be able to do something fulfilling like engineering. It's been a dream of mine for a long time and I feel that it is one I should pursue. It's the end of the road for me and pizza delivery. I may not even continue to do it as a part time job while I am in college because when cutting to 20 hours a week the expenses skew against it.

I will also say that this is not the end of Metro ownership for me. When I sell the blue one I will still have the white one to play with for a while and will still be sticking around. I won't be insuring it for delivery though unless the numbers change. I'll just keep it on minimal insurance as a pleasure car so I can experiment with fuel mileage mods and use it for trips and parts chasing. If I don't keep delivering while in school it may even become my daily driver. I have grown attached to these little cars and like having at least one of them around.
even though I would say not to sell the geo, you gotta keep your eye on the final prize. Your degree.
I understand your situation since im in college too. You gotta think about the future. Set yourself up for success. I have had lots of people ask why I don't buy a nicer car, but its just not the right time to throw my money into a car.
Get that degree and a good job then by more metros than you could ever afford without your degree......or maybe just a few.

also for a job, Idk how much they pay, but look into aldi. lol. I hear they pay better than most grocery stores with benefits.
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Jim-Bob
Junkyard Engineer

The problem with my area is that unemployment is at about 20% for the U6 figure. When they opened a new Aldi, they had 20,000 applicants for 100 jobs. I'll see where i am at in August before I switch jobs. I can't do anything while I still have my house and would probably just wait tables if I got out of the delivery game. Around here, tipped jobs offer the most bang for your buck.
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JimR
Member
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Jim-Bob
Jan 14 2011, 12:48 AM
Around here, tipped jobs offer the most bang for your buck.
Agreed, I work at a Carwash in Tampa and make a lower hourly pay, but the Tips really boost my pay rate. I am also going for an engineering degree.
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HavsCritiria
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I went and got a quote to get a metro insured, these fucking thieves want 200 a month from me. FOR A METRO!? I don't get it. I just don't get it.
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Horn


HavsCritiria
Jan 14 2011, 03:07 PM
I went and got a quote to get a metro insured, these fucking thieves want 200 a month from me. FOR A METRO!? I don't get it. I just don't get it.
wow this is rape.....shit is really starting to hit the fan. I mean everyone is starting to increase their prices on services dramatically.

Havs just keep searching man. that is ridiculous. don't quit searching......actually you can't afford to stop searching can ya?
What companies you look at?
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HavsCritiria
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I got a quote from progressive, State Farm, And a few other companies. They all want 220+ State farm, with the good student discount wanted 250 for full coverage, and 180 for the bare minimum. This is such bullshit, how is a younger person supposed to get around, get their life started, if they can't even afford insurance payments. Fucking stupid. I live alone, I pay for my shit, I don't have mommy and daddy to pay for me or put me under their plan, so how the hell do they expect me to pay for that, and still have enough to eat at the end of the day. when I have to go to school 7 hours out of my day and I need at least two hours off after school to get homework done.
Sorry for ranting, I'm just super pissed.
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yiffzer
Forgot His Manpurse

I know how you feel. I rant about insurance so much too. :(

But then I realized... you're in Florida.
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Coche Blanco
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Troll Certified

Get on parents insurance?
Profit?
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