Imagine not having to beg Dad for the car keys. Imagine being on your own schedule, not having to coordinate with where everyone else needs to be. Imagine how great it would be to have your own wheels.
You can get on track to owning your first car right now. Show your parents you can assume the responsibility by handling the family care with care. Take a driver training course. Start saving toward a down payment.
Research the reliability and repair records of various vehicles. Advances in technology have made used cars far more reliable than in the past, but you still need to factor in maintenance costs. Price various makes and models. Compare gas mileage as well.
Get good grades to reduce the cost of insurance. Good student discounts are available for full-time students who maintain a "B" or better average. Avoid vehicles with a bad collision or injury record. This could possibly lower the cost of your insurance premium. Ask your parents for a copy of their insurance policy, and then call around for rates. Compare current coverage, and ask about the rates for multiple cars.
Check with the credit union for loan rates and monthly payments. These actions show you understand what's involved in owning your own car. If you do your homework, before you know it, your dream of being in the driver's seat will come true.
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