Check the Edmunds forum for the current MF/RV. For $1995 break down I’m assuming what’s included:
Aqs $595/36= $16.53
Docs max if not capped $399/36= $11.83
DMV $340/36 assuming a new registration = $9.44
Wondering where is another $650 might come from.
The Insurance, never had a luck getting better anything better than progressive or Geico. Also, depends on your ZIP and age the rates can vary.
This all I can think of at 3:30am.
Edit: just read it, I would not suggest you to lease if you are not sure about your future income. Defaulting the lease payment can put a severe dent on your credit history. The rate you got is for the tier 1 so called a person with an excellent credit history, assuming you have none the lease rate might be way higher. And insurance will be a deal breaker, because you’ll need a full coverage.
I would suggest you to buy used car than leasing. I might be wrong, this is my assumption.
Thanks for the input (especially at 3am!). I’m not overly concerned about the lease payment as I am relatively secure in my job. I also have “good” credit - but you’re right this could be a deal breaker when I get the final numbers.
The $1,995 breakdown (as I’ve been given) is as follows:
Aqs: $595
Docs: $80
DMV: $340
And the rest is basically the down payment I would assume.
I’m actually having to convince myself to go through with it! I’m currently using Canvas, which isn’t a great deal but is very convenient and flexible. So I want to get all my ducks in a row before signing up for 3 years.
I’d look and see what insurance would run for you before jumping into a lease. You can give an agent the vin of the car you’re interested in and they can give an accurate quote.
If it’s too expensive, you can buy used, build up your driving record, and look at this lease in the future. A used car will be less expensive to insure than a brand new one.
I could be wrong but I don’t think it’s possible to lease a used car. Buying used is pretty smart since anything driven off the dealer lot is basically consider used. You can get great deals on used cars that are still well below the manufacturers warranty.
I would look for a car you like there - I see 2017 Subaru Crosstreks Premium trims with 10K miles for $220/mo + tax (these are down from $240 a month in January). Then they will give you an estimate for insurance in the app to see if this is affordable.
FYI If you search for posts by the Fair rep - Shaan here, he has a coupon for $1000 off your start payment, which is like the down payment. I used a coupon and paid $343 out of pocket for tax, fees and registration for my 2017 Crosstrek. The Crosstrek has a great safety rating so maybe your insurance will be a bit less. Good luck.
From my experience since my wife had an international license growing up but no longer drives but is listed on my insurance, if she started today her premium would be lower if she provided her previous drivers license number compared to starting as a new driver. So if you had a license in your previous country providing even just the number could save you hundreds
Also buying a CPO car will provide you a full power train warranty and in most cases at least 1 year of a limited warranty. Some higher end CPO cars come with roadside assistance standard. I know with Geico adding road side assistance is only $4 for me a month
getting a crossover also makes sense since some cars have dramatically higher premium than others. I just switch from an Acura ILX 4 door compact sedan to a 2018 RDX Advance, and even though the RDX worth more and probably more expensive to repair my premium drastically went down. The rep told me that compact sedans tend to get into more accidents since they are harder to see and people tend to drive them more reckless. But doing research on brand and car type in terms of insurance premium could have you hundreds
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