Bubba1 wrote: ↑
Mon Dec 28, 2020 6:28 am
Given the combination of your poor driving record, your young age, and the large distances you plan to travel, you face significantly higher costs if you try to buy/insure a late model vehicle yourself rather than using your current parentally gifted vehicle and staying on their insurance policy. It's, roomy comfortable, reliable, and presumably paid for, leaving you more of that money from which you have access for more important life expenses coming up. The old real estate "rule of thumb" was for the agent to drive a vehicle that suggests he/she can at least afford the house being sold. That's not actually a set-in-stone rule, especially now, in the age of covid, when more is done on-line, and you tend to meet more customers directly at a prospective property instead of driving them everywhere. But given the price range you mentioned, your parent's MDX is fine and appropriate. And yes, I know some real estate folks. It's more your personality and your word that will gain/lose customers, and less the car you drive. Food for thought.
It would be my parent's IF the title was still under my dad's name, which it isn't. The vehicle is under my name and on my own insurance, not my parents, and its paid off on day 1, unlike the 2016. I got a price quote on the insurance side of things for a brand new vehicle under lease alongside the MDX, it is still way below 90% of most insurance companies. I did found some job postings where the job description (in a post-covid world and current) said drive clients to house showings (something along the lines); I am not looking at applying to that specific position, since its kinda far from the specific area that I am looking at. If 2020 never happened, I would have used the 2016 Rogue without a word, since its a perfect all around vehicle and taken so much abuse from me (that vehicle was pretty dang reliable).
Right now, I am paying $2300 for 6 months (this includes the 1st year of the three year of surcharge). My next two policy premiums would be in the neighborhood of $2700. But I would have to get lower mileage on that time, due to undergrad being done for me. Fuel costs is going to be less by a lot since I have been using 87 on the MDX and these other options would also use 87. And I am no stranger for paying $4k just in gasoline. I created this thread because of the findings from the IRS that I read on, since I am looking at having few businesses, where majority of the miles put on the MDX would be personal, and I wouldn't be able to deduct them on tax purposes. And surely in no way, would my parents and me will allow our POS 2019 Rogue as the family vehicle (I literally cannot trust that vehicle at all, even mechanically, unlike the other two Nissans we owned). Honestly, I would still have to use the MDX for the first few months; but, since its a beige interior, I am personally having a tough time on cleaning the seats to not look dirty (unfortunately, the driver seat has started to loose the beige color; never had this issue with the Black and Grey interior color).
Also, since the MDX was involved in two rear ends, latest one was a hit and run (I really hate 2020 with guts), the rear bumper is cosmetically destroyed (that's what the body shop advisor told me), and I still haven't fixed it yet. What would be the best option to clean the beige seats and not loose the beige color?