Am I crazy, or should I get the STI?
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This is a discussion on Am I crazy, or should I get the STI? within the New Member Hangout forums, part of the Community - Meet other Enthusiasts category; Hey guys, I've been looking to get my first subie.Been looking at 02-07 wrx's so far.Saw an 05 sti the ...

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    Am I crazy, or should I get the STI?

    Hey guys,

    I've been looking to get my first subie.Been looking at 02-07 wrx's so far.Saw an 05 sti the other day, original owner, with 43k for $17k.I've been looking at 05 wrx's with that mileage for 12-15k in my area.So I thought why not drop the extra coin?

    Background:

    My commute to work is 3 miles each way.I average 7000 miles/yr.

    I'm getting promoted and I'm going up 4.00/hr in pay.

    Here's the real issue.

    I'm 18.Insurance will be nuts either way,and when I finance my car I will have to carry full coverage.

    I don't have mommy or daddy to pay my insurance or buy me a car.I'm doing this on my own, and that's kinda the whole point for me.I told myself I would buy a nice car by age 21.I pay my own bills and I like it that way.

    Any input?

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    Get something that's cheap to insure that you can pay cash for.

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    Registered User Stlgrndskeeper's Avatar
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    Get insurance quotes for both the WRX and the STI, I'd think the difference might be substantial. Base your descion on what your comfortably with financially. Don't put yourself in a situation where all you can afford to eat is Ramon noodles and peanut butter.
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    Registered User xFalleNx's Avatar
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    You need a new job if a promotion is $4.00/hr.....

    At 18 I would buy something that's inexpensive to afford and insure and easy to repair. IMO, you'll be better off saving your money and buying something down the line later in life.
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    Sammich Makin' Pwincess wrxtreme06's Avatar
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    Quote Originally Posted by xFalleNx View Post
    You need a new job if a promotion is $4.00/hr.....
    maybe he gets commission or is a waiter & gets base pay + tips. you know what happens when you assume ;P

    OP, like others have said definitely check into insurance before making a decision. for me, the difference wouldve only been 6 dollars a month but some people will see hundreds of dollars difference. ya never know until you call!

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    Quote Originally Posted by xFalleNx View Post
    You need a new job if a promotion is $4.00/hr.....

    At 18 I would buy something that's inexpensive to afford and insure and easy to repair. IMO, you'll be better off saving your money and buying something down the line later in life.
    No man he said he's going UP 4/hr.. over what he previously had.. not that he was getting TO 4/hr... Depending on what he's making now thats a pretty sizeable increase.

    Here's what I'd do, cuz I was in that spot once and it worked then.. lol.. I'm assuming it would work now. Find a solid cheap car that you can buy in cash and dont have to carry full coverage on (as others have mentioned) .. before that though, again as mentioned price out the insurance.. all the math should come long before the actual shopping so you can save yourself from some disappointment if you cant just yet pull it together. Also, you mentioned wanting to actually buy something nice around 21.. thats 3 years, long enough to save a pretty handsome down payment on something sweet and your insurance wont be quite as insane. For now, I'd get a basic barebones rig you can drive around that sips fuel and costs barely anything to insure and maintain.. then for the good ol 21 day.. take all that dough you saved and shop around for something worth the wait

    I was exposed to my first wrx at 23 and finally purchased my 2010 in oct 09 at 31 ... good things come to those who wait. Waiting does suck, no getting around that part.. but its worth it.
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    Like others have said, check insurance rates. When I was 23, I almost traded in my bugeye for a 2007 STi limited. The insurance is what spoiled the deal: it was nearly 2.5 times as much as what I paid for my 2003. :-/
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    Registered User Daddy_Digital's Avatar
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    insurance is going to be VRY high for a STi in comparison to a WRX or a regular impreza. if u think u can swing the insurance and doing the maintenance on the STI, go for it. if not, settle for something u can afford.

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    Registered User Skreekin's Avatar
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    I'd think that you'd get bent over by the insurance regardless of whether you drive a WRX or STi, you're young.
    What is your driving record like? Any tickets or accidents?
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    Registered User xFalleNx's Avatar
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    clearly I can't read today lol....


    Grats on the promotion OP!
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    Thanks for the input guys.

    I'm going up in pay from 13.50/hr to 17.50/hr due to me transferring into management.

    And whoever thought I was paid $4.00/hr is funny.

    My rent, and all other bills add up to about $800/mo right now including food.I have a roommate so that keeps costs down.

    My driving record is spotless, no tickets, no accidents,nothing.

    I have been quoted 160/mo for a wrx with full coverage.

    It was just something that crossed my mind, I thought insurance would've been cheaper since the msrp is so much higher?

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    zax
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    Quote Originally Posted by ljparton View Post
    I thought insurance would've been cheaper since the msrp is so much higher?
    You've got it backwards... the insurance is more EXPENSIVE when the MSRP is higher. It's more expensive to replace the car (when deemed total loss) if the MSRP is higher... and, of course, the parts.
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    Master Baiter EJ257's Avatar
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    Quote Originally Posted by zax
    Like others have said, check insurance rates. When I was 23, I almost traded in my bugeye for a 2007 STi limited. The insurance is what spoiled the deal: it was nearly 2.5 times as much as what I paid for my 2003. :-/
    I haven't done a quote, but I can't imagine a WRX would cost me $400/year to insure at the same coverage levels I'm on now.

    I want to steal Bo's limited
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    Quote Originally Posted by EJ257 View Post
    I haven't done a quote, but I can't imagine a WRX would cost me $400/year to insure at the same coverage levels I'm on now.

    I want to steal Bo's limited
    It is different when you're under 25, Matt. Now I'm paying about $700 per year for my Rex and an STi limited would now cost me about $1000 a year to insure. Not bad anymore...
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