2011 Jeep Liberty

2011 Jeep Liberty questions and answers

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Q: my mom traded in her car for a new one as a downpayment, is there any way she can get her old car back?
Just 2 days ago my mom decided she wanted to trade in her 2005 Jeep Liberty for a 2011 Nissan Versa, because her liberty spent to much money on gas. She talked it out and the liberty was worth only 6,000.00. the Nissan Versa 16,000.00. they did the trade, and now she is thinking of getting the Jeep back, and returning the Nissan, cause she really dosent want to be making monthly payments. Is it possible for her to do that?? we live in california

A: The only way she will get it back is if she goes and buys it back. However, it won't be $6,000. More like $8,000. There is no way to cancel the contract on the Versa anyways, so her desire to walk away without monthly payments is not a realistic expectation. No cooling off period for vehicles. I don't understand how she is ok with making monthly payments one day and then not ok with it the next. EDIT - Since you live in California, you should know the facts about the right to rescind your auto contract. This would involve someone actually coming to your house, explaining the right, and you purchasing that right. If that did not happen, there is no 'cooling off' period. I have to assume it did not happen, or they would have already explained your rights to return the car.

Q: Car Insurance Cost in NYC?
I have a question regarding car insurance. I'm 29 years old. I've been in 3 car accidents but was not at fault for any of them (2 of the times my car was sitting still! lol) and I've never gotten a ticket for any of those accidents. I used to have insurance through State Farm, full coverage for a 2004 Jeep Liberty that cost 50-60 a month in upstate NY. While driving to NYC one winter I got a speeding ticket, my first ticket ever! I was going I think 82(?) in a 65. This was just before I moved to NYC, and because I got the ticket in a podunk little county I was driving through I had no idea what the name was, the ticket flew out my door and I lost it. I figured they would mail me something else to tell me the payment was late but I never received anything else about it. Well I found out later it was because I moved, even though I moved about 2 months after the fact they wait quite a while to send another notice, and I never received it. Thus, my license was suspended but I never knew. I never got caught driving without it either. So I moved here in 2007 with my Jeep which I was very behind payments for, and then it got towed away for alternate side parking BS. I could have borrowed the money back then to pay to get it out but I let it go. Alright so long story short, I don't have the truck, it was auctioned. I'll be done paying for it through a collection agency settlement offer this May. If I had kept the truck, I would be paying 200+ more a month than I pay now, and I wouldn't have been done paying it til August 2011. Plus I would have had to pay to catch it up the 3 months I was behind, plus pay my boyfriends brother back who was willing to lend me the money to get it out of the car jail (lol) I had the suspension lifted last July so I could rent a car, again no issues. So I'm thinking of buying a 2,000 car (cash! I learned my lesson) in June when I'm done paying for the truck and I want to get no fault insurance. I know it will be a lot more here then what I used to pay, and in addition I now have a suspension that wasn't there before. How much do you guys have to pay for your insurance, if it's not too much information to ask? And how much do you think mine might be, or compare your cost and history to mine? Thanks.

A: Get a quote online - they'll give you rough estimates. Given that you're under 30, and had this history will likely increase it. But, everything is cleared from your Insurance "record" except the last 36 months. So, if you have had the license for less than 36 months from your suspension, you're basically going to be treated as a "beginner" because the record indicates suspension. The other problem is that NYC counties are just too expensive to insure. My guess - a 2000-1 sedan in NYC would cost you about $$750 - 850/every six months.