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there is also no point daily driving an expensive car and putting milage on it while not actually having fun. I face palm when i see an M3 with 80-120k and then just get tossed up for sale because its seen its best days and those days were used to simply commute.
Depends on a lot of factors regardless, but you should still have a beater car. The shorter your commute, depending where you live in the winter time and how often your city salts the road, etc. will depend how often you should insure it for driving to actually enjoy it.
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