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@matt12345 Nothing useful to add; just wanted to say I figured out your name. Hahah

@trynhard If you’re going to be a nerd, be a credit nerd. You can’t go wrong with a Toyota. I would have bought one last year, but I refused to pay any lame mark-ups. Good luck!

@trynhard Financing an 8 year old used car, regardless of make, is a huge risk and expensive because you must maintain expensive physical damage coverage on it to obtain financing. Older vehicles can suffer catastrophic failures for which there is no warranty then you’re stuck paying thousands...

@trynhard Please don’t purchase this car. Purchasing, much less financing, an 8 year old used German vehicle is a terrible financial decision.

@cobondservant There's a difference between points on your driver's license and driving record points charged by your insurance company. You may zero points on your driver's license because the violation was a 0-point violation, but the insurance company can surcharge you with their own points...

@ivanthabang Bump up your Bodily Injury, Property Damage, and Uninsured Motorist Bodily Injury (and stack it). You're in Florida, which may now outrank CA in the number of uninsured drivers. All of these will increase your rate unfortunately. The best way to lower your rate is to drop comp...