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Originally Posted by jorgelito
Wait, if you're in DC, do you even need a car? Also, I think it also depends on where you live too. The rates will go up and down accordingly. My insurance dropped by half when I move from LA to Orange County. I'm assuming you love in a good neighborhood? DuPont, Georgetown maybe? Your insurance will be a heck of a lot cheaper then and you won't need Lo Jack.
If you buy renter's insurance and car insurance at the same time, then you can get a break for both.
I was going to buy Lo Jack but it just wasn't worth the cost. No way I would have made it back.
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Yes, I need the car. Or, I guess I could continue to waste lots of extra time trying to take the metro to places that are a 10-min drive. Or, filling my backpack with as many groceries as I can (not many) and huffing it 3 miles on a busy street. Thing is, I'm not actually IN the District and I'm really not that near anything terribly convenient.
My neighborhood can be expensive because of the housing crunch, but I'm not sure it qualifies as
good either. I'm in a huge apartment structure in a college town with some sketchy neighboring areas and some nicer ones. A friend of mine who just moved from this same complex into a way sketchier area (in the District) has his insurance go down $20 a month and we think it's because he lives in a house now, instead of an apartment complex. It was actually safer here because we have a parking garage and he has to park on the street now, but I guess that's how the insurance company sees it: if you're in a house, you don't have as many people around as a liability compared to a huge apartment complex.
Anyway, I don't think I'll get any breaks 'cause of where I live.
On one hand, yes I'm trying to save money. But this car is kinda special to me, and I will probably get LoJack as soon as I can afford it, even if it isn't right away (and even if I don't make it all back in insurance savings). Good thing I can afford the VIN etching right away.