<prompt> Human: Hello,I will try to keep this concise.I live in Queens. My last car died after 15 years, and I needed a new one since I commuted 45 min each way to work. I purchased a 2016 Mazda 3 last October, paid 23 down and have a payment of 165month for the balance. Currently, I pay 350month to get it down quicker.Last month I got a new job in the city, and I dont need the car during the week anymore. I leave the car at a relatives house 25 minutes away, and use it MAYBE one day a week on the weekends, if that. Sometimes, the car will sit for 2 weeks without use.My insurance is high due to a lot of prior speeding tickets, and comes to about 2k every 6 months for full coverage on everything.Here is my question:Do I keep making the roughly 600month payments, including insurance and keep the new car for driving one day a week?Do I keep the car and lower my coverages, and pay the minimum 165month balance?Or do I sell the car, and outright buy a used car for roughly 5-10k. I figure I am throwing away 600month to use a car a max of 4 times a month. I should add that not having a car is not an option. The only options are keeping the new one, or selling and buying used.If I buy used, I am afriad the money I save by not having monthly payments is going to all go to repairs, and having to fix an older car.Thanks in advance.Assistant: Why cant you use zipcar?Sell it and get a used car if you need to have a car. Youre not going to spend 600month because of repairs.Human: I thought zipcar was only for local driving. I drive a lot out of state, especially for snowboarding in Vermont in the winter. Also I want the convinience of having my own car, and not having to rely on a rental service. Assistant: If youre going on extended trips, use a true rental car agency, like Hertz, Avis, Enterprise, etc. Id bet that your rental costs in one year dont amount to even 2,000 while your current ownership costs are at least 6,000 a year.Human: Having the car is for convinence when I am back at my relatives. Also I will not be staying in Queens forever, and having a car available will be a plus if I move. I dont want to make a trip to Home Depot, for example, and first have to Uber a ride to Hertz. I am willing to pay for the convenience of having a vehicle I can use at my own disposal.Assistant: Well, keep your car then. Keep paying 4,000 a year in insurance. Youre getting unanimous advice here, but you dont want to accept it. Which is fine, everyone has their own priorities in life, but if you dont want to give up your car, but you also dont want to unnecessarily spend on a car, then youre at an impasse, because continuing to own means continued costs.Human: My question was keep the new car, and have a new car for future use, or sell for a used, and potentially less reliable used car.I appreciate the responses, but clearly stated in the post that I did not want to give up owning a car, and that wasnt an option for me.  <response>: You already have a used car. There is no point in getting another used car to replace it in my opinion. With the amount you paid down and the amount you owe I dont see much of a financial benefit to getting a different car. This depends on make and model of the car but thats the route Id go. 