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how badly will your rates go up that $800 up front is a better alternative?
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2)Get a job. Its the summer, the school term has ended...perhaps you can find short employment to pay for the debts.
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Australian. It's the nationality of t8.
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Also, considering where you live, is driving really necessary? Perhaps you can take public transportation, which would save you car insurance, and go with car insurance instead of paying up front. Stop coverage for a while and either take public buses/subways, or what an even better friend would do is willing to let you carpool with them.
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Lol Sydney. TERRIBLE on the roads, TERRIBLE on the public transport. Trains are amoungst the most expensive I've ever seen, at least five times what I pay in Perth. Then there's the fact he lives well out in the 'burbs.
Also no car insurance is illegal here.
There's nowhere I can't reach.