how much i pay for my 2022 camaro ss 1le

[@kief4diamonds]

paid 45995 plus tax --250 doc fee. ended up 48ish OTD ---2022-11k miles. 6 speed----140 a month insurance. mid thirties dude. 1 ticket on my record. 880 payment a month at 9.5% apr 722 score) (cant wait to refinance but knew these were going kind of quick and wanted to get one new that wasnt ragged out)

[@CamaroandaCamera]

Pretty good deal, and insurance ain’t horrible either. At that point in my life where I wish I didn’t age anymore but having a lower insurance rate and APR would be nice lol. How longs your term though? I get that 9.5% is a bit high but $880 is a lot a month. Don’t blame you on rushing though

[@appel199]

I live in New York and I recently picked up a brand new 2023 rapid blue ZL1 convertible. I have classic car insurance on the car and I pay $800 a year for full coverage. The car is insured for over 80K. The only limitations are it has to be in a garage and I have a 3000 mi a year limit.

[@CamaroandaCamera]

I have a very similar kinda deal with hagerty. Think I got $48k of insurance and I got 5k a year. Needs to be a weekend car and garaged. I pay 1900 a year (I’m 24 lol)

[@1SShawn]

Ayeeee I saw my video 0:07 but great video man

[@CamaroandaCamera]

damn one of the few I haven’t watched yet imma see what’s up w it tho 👀

[@thedrunkensailor1021]

I pay $690 for the payment and $320 for insurance i have a 2020 Hertz camaro #200 of 200 i bought in 2021 with 6k miles for 41k

[@CamaroandaCamera]

I feel like that’s a pretty average payment and insurance rate for these cars. Cool that you were able to secure one of those limited Camaros tho and not a terrible deal!

[@OD_Plays]

Real clean build! Love the way the color pops. If you ever intend of selling I would definitely buy

[@CamaroandaCamera]

thank you! The cops love it too. Unfortunately, I do not but you know life sometimes doesn’t go as planned. If it does I’ll let you know! But also there’s a few for sale in the US.

[@OD_Plays]

@@CamaroandaCamera i saw a couple of them in the spec I want most of then are going for 60 grand or they going for 40 but they salvage title im just looking for the medium and most of them are autos aswell😂 im still going through the internet finding one. I still have a 2020 Camaro but im selling it for a 1le

[@CamaroandaCamera]

if youre serious I saw one rapid blue posted in cali with super low miles for $$50,xxx and another here in Long Island has 144k miles for $40,xxx@@OD_Plays

[@CamaroandaCamera]

both 1les btw i forgot what trans thought@@OD_Plays

[@OD_Plays]

@@CamaroandaCamera might check that cali one out, 144k miles no thanks.😂 If im paying that 40k I would hope for at least 70k miles thats insane. Definitely gonna check the cali one though

[@canadianpirateanders9951]

I have a 2010 Camaro ss and full coverage for my car is 66 bucks a month. I also don't have the cleanest driving record :). nice car btw

[@CamaroandaCamera]

it’s gotta be the age of the car helping you out w that premium. wish I had that kinda deal. Thank you!

[@goblinzl1]

some states wont let you drop car insurance. if you do youll get a renewal surcharge so check on that. beautiful car. i a zl1 owner in nj and i DD it.

[@CamaroandaCamera]

That’s the first thing the credit union told me, I couldn’t just drop insurance. They suggested comprehensive only which is the cheaper part of the bill. To my understanding the surcharge might be possible depending if you have to surrender/store the plates. Thank you very much, would have been better if it was a Z but I’ll take what I can get lol. You’re very brave DDing it by the way, hope you got some good all season/winter tires for our current weather!

[@goblinzl1]

@@CamaroandaCamera its not horrible here but id be better off driving something else. fortunately i dont commute in it and i can walk to work which ive had to a few times lol. im actually getting michelin pilot 4s installed tomorrow so yes im very brave rofl.

[@CamaroandaCamera]

@@goblinzl1I wish walking to work was a problem I had lol. and if you’re on stock tires in the slush and snow ur devious 🤣

[@goblinzl1]

@@CamaroandaCamera i just them on. im anxious to try them out after break in

[@CamaroandaCamera]

@@goblinzl1 I hear they work pretty well with ss, not sure about an extra 200 hp lol

[@jbwill1881]

Wow bro I got the 2ss 1LE New at $54,000 an I pay $725 def a month an but down 2K an my insurance is $130 a month

[@CamaroandaCamera]

How long is your term and apr though?

[@PoconGaming]

Can you explain more about getting your credit pulled and the terms around it? For example i was at a dealer recently and after i agreed to have my credit checked (mind you i know my score and its quite good) they told my its important to not go shopping around to any other dealers and have them pull my credit as well. From all the research ive done i still cant find a good answer as to why its bad to have your credit pulled? Isnt that what your score is for so that companies can pull it and give you better offers based on it?

[@frightcrafter]

Having a "hard" credit check (IE actually applying for a loan) done negatively impacts your score lowers it by like 10-12 points usually so having multiple dealers check it would theoretically be bad. In this case though I would imagine its more just to keep you from finding a better deal elsewhere, because to the best of my knowledge they're only running "soft" credit checks (just looking at the number).

[@CamaroandaCamera]

To my understanding having your credit pulled necessarily isn't bad however it seems the decrease in points is a counter measure to prevent someone with medium to high credit applying for multiple loans at the same time. Having the decrease in 10-20 points over 5 different loans will significantly reduce your score and will serve as a "red flag" to lenders if an individual in fact is applying back to back. Hope this answers your question :)

[@CamaroandaCamera]

True, I believe some dealers tend to lie about not doing "too many pulls" with other banks and dealers because they do want to make a percentage off of selling you the loan through their preferred bank. However, when you do allow them or any other financial insitution to perform a check to get a loan or credit line these are hard pulls. Now yes some are harder pulls than others but I believe also depending on the amount you're looking to borrow this may impact the points you lose minimally.

[@DIE50H]

yo wassup bro what you think i should do i really want a ss but only if i can keep the same payment i have for my civic im already paying a lot 971 in total a month for insurance and note i got quotes and my insurance would be cheaper when the ss surprisingly from 2 company’s i don’t struggle financially but im scared to pull the trigger cause of like gas and shit i barley drive to work since i’m wfh 22yo built a decent credit and i bank with navy federal take home 4k minimum a month i would want to trade my civic in and use the 1-2k from positive equity as a down payment and maybe 1-2k from my savings if the note is close to my og payment u think i should go for it im the type to dwindle on shit like this then lose my opportunity but i really always wanted a camaro especially the 1le since they are not in production anymore

[@CamaroandaCamera]

what good brother, the answer is complicated only because I don't know all your needs and condition now. Additionally, while we can speculate on how a 19-20 ss (non 1le) is 30k-40k depending on mileage and condition we won't know what your apr or insurance will be. In my honest opinion however if you do make what you said a month and put 10k as a down payment you should be alright for the note. Also if you're in a warmer state selling your civic is fine cause the maintenance isn't terrible unless you buy a lemon. If you're up north get a reasonable beater that you can daily in those cold months. I wouldnt take out more than 25k in a loan for longer than 60 months. Also if your apr is higher than 10% I wouldn't personally get the car/look for a better apr. Hope this helps!

[@carterdavis5176]

What insurance do you have? I have a 17' Elantra base that I pay 160 a month for and it seems like everywhere I look its even higher than that. Maybe its because of my age? (I'm 20)

[@CamaroandaCamera]

I use for my civic progressive and I believe nationwide for my moms policy. Your rate is most likely higher due to your age, it’s a newer car and also I’ve taken defensive driving classes online that reduce my premium as well as using a device they send you to monitor your car to see if you’re an responsible driver. So if you do those your premium might fair a bit better.

[@thatkidugly]

I’m 20 also and I’m paying 483 a month for a Nissan Sentra idk why🤦🏾‍♂️

[@carterdavis5176]

@@thatkidugly is that your car payment or insurance? If that's ur insurance bill please drop ur insurance provider immediately because that's absurd

[@EuroUSA]

It’s age bro when I was 20 man my insurance was more than my car payment keep grinding

[@kian3217]

'Promo SM'

[@CamaroandaCamera]

Nice

[@S2kTi]

Thats not how balloon payments work, you just have a conventional auto loan. Good on you with a large down payment and 48 months, but young dudes relying on mom for a cosigner should probably avoid 50k cars. No hate, just my opinion. That said, you are going about this scenario in the best way possible with a good chunk down and short term. As a 5 year salesman, ive seen many worse desicions made lol nice car! Pay it off and enjoy.

[@CamaroandaCamera]

Yeah I used "balloon payment" for a lack of a better word. The point I was making was paying toward the principle allows you to save money on the interest since you're paying before it's due. No hate recieved, I would have waited a few more years but camaros are limited now and I didn't want one that was used heavily by the first owner/modded. Good to know a salesman is backing my purchase that has no skin in the game though. Some of the salesmen i've seen and come to know tend to allow worse deals happen all to make a sale. Thanks for the input and I'm putting paying it off before thousand dollar mods lol

[@S2kTi]

@@CamaroandaCamera totally get it, may as well do it while you can when you don't many other large life obligations!

[@CamaroandaCamera]

@@S2kTiexactly, They’re coming up sooner than I’d like but I couldn’t pass up on a car like this!

[@1ledan]

damn you got fkedddd 😀

[@CamaroandaCamera]

yeah they got got me huh?

[@darksideblues135]

Interesting. I paid 120,000 after taxes and such for my limited edition 70th anniversary 2023 C8 Corvette stingray z51 3LT. Payments are about 1800, and my insurance is only 140 a month. Got my wife a Dodge challenger because she got jealous of my car, her insurance with mine is a only about 260 a month. It is very interesting how the prices break down. Oh and if you are wondering, yes the 0 to 60 time for the corvette is 2.9 seconds. Unaided, I did a pull of 3.6 seconds. Your might be lucky to do 4 seconds. Bit that's weight and the fact my car has almost 500 HP. But not a bad looking car.

[@CamaroandaCamera]

Hope the c8 is in rapid blue but sounds sweet. Wish I had your insurance payments too lol. And yeah the corvettes always gonna be faster compared to Camaros counter part for the higher hp and the weight. Best of luck with it though!

[@darksideblues135]

Thank you. Its a pearl white that people just love. It has white leather seats with alcantara interior. A dark blue translucent removable hard top. It also has a red engine cover. The white paint kind of changes colour slightly with different light. At night, it looks almost silver. People can't get enough of it. I think I need to wait two or three months before I can drive it again because of the winter. Fight the urge man. Wait until its nice. The camaros are no longer made and you might find your car may go up in price instead of down because of that.

[@bigde9052]

Nobody likes a showoff. You should probably try and remember that.

[@CamaroandaCamera]

@@darksideblues135yeah that’s why I’m planning on keep this car until I’m old and grey. 1LEs are a more desirable spec to begin with however in the last few years of the camaro 22-24 this package was HEAVILY on constraint making it much more difficult to get. You spec sounds very beautiful and screams America with the red white and blue lol. And yes the urge to drive is hard to fight but I know better than to allow summer performance tires and New England snow to meet 😂