<prompt> Human: I bought a car a couple years ago using a loan for 7000. Last year the engine blew and I was quoted about 4300 in repairs. I decided not to fix the car and just pay my loan. I was paying 160 a month however, the insurance expired on my car and now the bank is charging me 1000 every year for having an uninsured car putting my payments to 260. I looked around and if I get insurance it will be about the same cost if not more a month. What are my options here? Someone was telling me to try and get a signature loan with a co-signer so I dont have to pay the insurance charge.  <response>: Hit up your friendslocal craigslist and spend a Saturday swapping over an engine. I have no doubt that you can find a working engine at a wreckerscraigslist and get it installed for less than 600, maybe 1000 if you have to pay someone.All youll need is an engine hoist, a socket set, a torque wrench, and a willingness to work. Do some prep time on youtube, theres lots of help available. Source: fried my Subarus engine, replaced with a used one, got a buddy to help me do it on a Saturday. Cost more than 600, but Subaru. Learned loads. 