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Looking for a new car; Replacing the HHR
Topic Started: Jun 21 2015, 05:49 PM (830 Views)
Coche Blanco
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mt999999
Jun 21 2015, 06:57 PM
Coche Blanco
Jun 21 2015, 06:27 PM
Is there anything mechanically wrong with the HHR, and could you feasibly drive it for a lot longer?

What is your interest rate on the loan for the HHR?
I could drive the HHR longer, especially with the metro. I don't want to, but I'll do what I have to. I haven't kept up with maintenance as well as I should have. Oil change every 3-5K miles, but I have had it over 2 years (43k miles), and I've never changed the spark plugs, or flushed any fluid. The rotors (and usually pads) have been a yearly replacement, which is a common issue on this car. The front struts are certanly going, and none of the tires match at this point (all well less than half tread). The struts and tires alone are going to be $1300, and I really don't want to deal with it. With it's mileage being over 110k, I'm sure more issues are going to come along.

The passenger side fender and front door are dented (fender is creased - completely toast) from a guard rail incedent a long time ago. Small dent on the drivers side and broken drivers mirror from deer incident more recently. I've thought about "breaking down" on the railroad tracks, but this probably isn't a good idea. I can't help but to keep checking car lots, and the Aveo looked like a deal so I have a family car. My fiancee doesn't like our 9 month old daughter riding in the pre '95 Metro with no airbags.

Edit - My interest rate isn't bad. I can't remember exactly what it is, but it is less than 4 percent.

Edit - Plus, the Aveo is a stick, and gets much better mileage than the HHR.
Okay so you interest rate doesn't suck too bad, that's a start.

You currently own a Metro but someone you plan on marrying doesn't like riding in it with a baby? Got it. Tell her to help you pay off the car. Get the HHR paid off, and keep it maintained. Don't worry about the cosmetics. Oil changes at 3-5k are excessive, 8k or more appropriate. How much driving is done with the baby momma and the baby? Fuel mileage is a stupid complaing imho if most of the driving can be done with the Metro. If 90% of your driving can be done in the Metro it is insane to think an Aveo is a good idea in this situation. Also, make sure you have GAP insurance.

EDIT: Your most recent post confirms what I thought, very little of your driving is done in the HHR. That strengthens my suggestion. Get the car paid off.
Edited by Coche Blanco, Jun 23 2015, 12:03 AM.
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Coche Blanco
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Horn
Jun 22 2015, 11:30 PM
One problem I see is that the "more fun to own and drive" factor of the Aveo will go away. Then you have a $6k aveo that you won't like. (using your numbers)
Man, it's almost like you went to college to learn that!
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Old Man


IF you can sell / get rid of the HHR for 3.5 thousand.
IF you can buy an Aveo for 1.5 thousand
IF you put the extra 2 thousand towards the loan
IF your bank will go along with it.
and IF the Aveo doesn't take a crap on you like many
used cars do shortly after you buy it.
LOTS OF "IFs" THERE

On the other hand
IF you keep the HHR you will owe 8 thousand
you say the loan interest is low so the interest
for an extra 2 years will be small
IF you keep the HHR you will have a car that you
already know all repair needs

If I was in your shoes I would find a way to keep the payments up for at least another two years and re evaluate at that time---A lot less IFs going on there.
You will still owe 6 grand on a crappy car

EDIT: Tell your gf to either get a job, buy her own car, or quit bitchin'----
Edited by Old Man, Jun 23 2015, 01:00 AM.
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mt999999
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Coche Blanco
Jun 23 2015, 12:01 AM
mt999999
Jun 21 2015, 06:57 PM
Coche Blanco
Jun 21 2015, 06:27 PM
Is there anything mechanically wrong with the HHR, and could you feasibly drive it for a lot longer?

What is your interest rate on the loan for the HHR?
I could drive the HHR longer, especially with the metro. I don't want to, but I'll do what I have to. I haven't kept up with maintenance as well as I should have. Oil change every 3-5K miles, but I have had it over 2 years (43k miles), and I've never changed the spark plugs, or flushed any fluid. The rotors (and usually pads) have been a yearly replacement, which is a common issue on this car. The front struts are certanly going, and none of the tires match at this point (all well less than half tread). The struts and tires alone are going to be $1300, and I really don't want to deal with it. With it's mileage being over 110k, I'm sure more issues are going to come along.

The passenger side fender and front door are dented (fender is creased - completely toast) from a guard rail incedent a long time ago. Small dent on the drivers side and broken drivers mirror from deer incident more recently. I've thought about "breaking down" on the railroad tracks, but this probably isn't a good idea. I can't help but to keep checking car lots, and the Aveo looked like a deal so I have a family car. My fiancee doesn't like our 9 month old daughter riding in the pre '95 Metro with no airbags.

Edit - My interest rate isn't bad. I can't remember exactly what it is, but it is less than 4 percent.

Edit - Plus, the Aveo is a stick, and gets much better mileage than the HHR.
Okay so you interest rate doesn't suck too bad, that's a start.

You currently own a Metro but someone you plan on marrying doesn't like riding in it with a baby? Got it. Tell her to help you pay off the car. Get the HHR paid off, and keep it maintained. Don't worry about the cosmetics. Oil changes at 3-5k are excessive, 8k or more appropriate. How much driving is done with the baby momma and the baby? Fuel mileage is a stupid complaing imho if most of the driving can be done with the Metro. If 90% of your driving can be done in the Metro it is insane to think an Aveo is a good idea in this situation. Also, make sure you have GAP insurance.

EDIT: Your most recent post confirms what I thought, very little of your driving is done in the HHR. That strengthens my suggestion. Get the car paid off.
I do have gap insurance, that was part of refinancing. That's where the "breaking down on the RR tracks" temptations came into play. I know in reality I just need to suck it up and pay off the loan. I would let it go longer in between changes if I used synthetic, but I use conventional oil in the HHR.

Miranda doesn't work, so I'm not getting any help paying it off. A long trip with the baby is rare; the driving is usually around town. I tried to convince her that the Metro is perfectly safe around town, but it's like talking to a wall. I probably will just keep it, but I'd do anything to make that high number on the loan come down...
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Coche Blanco
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mt999999
Jun 23 2015, 12:25 AM
I do have gap insurance, that was part of refinancing. That's where the "breaking down on the RR tracks" temptations came into play. I know in reality I just need to suck it up and pay off the loan. I would let it go longer in between changes if I used synthetic, but I use conventional oil in the HHR.

Miranda doesn't work, so I'm not getting any help paying it off. A long trip with the baby is rare; the driving is usually around town. I tried to convince her that the Metro is perfectly safe around town, but it's like talking to a wall. I probably will just keep it, but I'd do anything to make that high number on the loan come down...
Well insurance fraud is no joke. I realize you aren't 100% serious...but still.

Miranda might want to start working. That would be swell for the both of you. Still, 3-5k is short, even for conventional oil. Your best bet it to pay it off and drive it until the wheels fall off. Good luck!
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mt999999
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Self-Declared "Genious"

Coche Blanco
Jun 23 2015, 12:34 AM
mt999999
Jun 23 2015, 12:25 AM
I do have gap insurance, that was part of refinancing. That's where the "breaking down on the RR tracks" temptations came into play. I know in reality I just need to suck it up and pay off the loan. I would let it go longer in between changes if I used synthetic, but I use conventional oil in the HHR.

Miranda doesn't work, so I'm not getting any help paying it off. A long trip with the baby is rare; the driving is usually around town. I tried to convince her that the Metro is perfectly safe around town, but it's like talking to a wall. I probably will just keep it, but I'd do anything to make that high number on the loan come down...
Well insurance fraud is no joke. I realize you aren't 100% serious...but still.

Miranda might want to start working. That would be swell for the both of you. Still, 3-5k is short, even for conventional oil. Your best bet it to pay it off and drive it until the wheels fall off. Good luck!
Yes, I assure you, I am joking. Just don't like being in debt, that's for sure.

Thanks!
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Metromightymouse
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Job situation makes things tough obviously. I would get caught up on the maintenance but look for cheap options when possible. If the struts are expensive then look at fresh ones on wrecked vehicles. If you trade it in or sell it in its current state you are leaving a lot of money on the table. Banish the notion of doing something now (and the Aveo is probably a bad idea being a Daewoo) and set up searches for the parts you need. Ebay search and watch for really good deals, CL searches, Row 52 and you might find someone to pull and ship the part (s) you need. Once it's up to snuff then you can see if the value is close enough to not get buried in another car and loan.
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Horn


Coche Blanco
Jun 23 2015, 12:04 AM
Horn
Jun 22 2015, 11:30 PM
One problem I see is that the "more fun to own and drive" factor of the Aveo will go away. Then you have a $6k aveo that you won't like. (using your numbers)
Man, it's almost like you went to college to learn that!
Yep...Harvard.
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