I prefer to ride my bike. I have a little trailer so I can take my dogs with me. That said, I also have a car. It's paid off and my insurance is about $60 a month.
Fuck Cars
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Or you can take the train, walk or bike. All of which are much much cheaper.
I'm actually looking to move from owning to leasing a car because it's been false economy. The maintenance costs and stress have been so high as to make it cheaper to pay a few hundred quid each month.
“No one cares about what car you drive” has such Boomer energy to it, and it’s completely false.
Our 2nd car (ie. the one we use if my wife or I need to commute individually - suburban sprawl means we live in a public transportation desert), is a beat-up 15yo Hyundai hatchback.
We both love it because it’s economical, surprisingly reliable, cheap as anything to maintain, and we don’t particularly care if it gets dinged at a parking lot.
But the looks we get from our peers when we drive to our respective offices (we usually WFH), holy crap! Constantly having to explain ourselves is tiresome, and our line managers have both made off-handed comments sarcastically asking if we’re not being paid enough. 🤦🏻♂️
Uhhh... I pay less than that per YEAR for insurance on two motorcycles. Fuck cars, indeed.
Insurance varies a lot with what you drive, where, amount of coverage, and history of driving.
Mine is around $800/year and I drive nothing to brag about. (Well, except cost of ownership and safety record. Knock on wood). But my partner pays more because they have more coverage and a newer car worth covering.
But if you think $350/month is high, let me introduce you to private health insurance. 😂