<prompt> Human: I lost my job in August of this year and as is always the case when it rains it pours. My car lease is coming up in January and Id like to get some advice on the deal I was just offered for a new lease.Current car payment - 272moCurrent Car insurence payment - 123moTotal: 395moproposed deal:Car payment - 265moInsurance payment - 110mototal: 375moterm -3 yearsAll fees tax,title,license,dock, etc are paid by the dealer, all thats required is my first payment of 265. They are also paying off the remaining 2 months of my current lease. This seems a bit like a no-brainer I guess Im looking for some people more familiar with automotive industry and can possibly offer any haggling advice, or is this really a good deal I should jump on.The payments are a bit high for someone with no job, but my concern is that if I go to another dealership to leasebuy a car they will run my credit and see that Im unemployed and try to take advantage of that andor be required to charge me more per month as a high risk lessee, currently my credit is tier 1. Either way I lose my current vehicle in under 2 months.Assistant: The fact that the lease is ending is great! Dont get a new lease, buy a beater if you need a car until you get a new job. Paying 400 a month on no income, talk about recipe for disaster. Human: regardless of the type of car I get, I will still have a rather hefty insurance payment thanks New Jersey I get an unemployment check fairly sizable 600week, and I have no other debt not married, no kids, no student loans or credit card debt and live in a rent controlled apartment, Im confident in my ability to get a job in the next 10 months in which case this wont be an issue, if I buy a beater for 2500 or I drive a new lease for 265 for 10 months the cost is the same, except anything that goes wrong with the new car would be covered. Id also have some extra money lying around in case of an emergency. I live in an area with very little public transportation available outside of garishly overpriced taxis, and buses that go nowhere I need to be, a car would be a necessity unfortunately or Id just hand the thing back and be done with it.  <response>: Im confident in my ability to get a job in the next 10 months in which case this wont be an issue, if I buy a beater for 2500 or I drive a new lease for 265 for 10 months the cost is the sameThis is excellent logic if you expect to drop dead 10 months from now.In reality, every month after 10 months with the lease will be costing you money youd not have spent if you got the beater. Regardless of your job situation, the lease is much more expensive. 