because i dont want to pay 500 every time some jerk hits it and takes off,not only that but in 30 years i will still owen this car and want it to be nice.i think i will buy a 4k car for a driver not a 42k car that i paid and still paying 765 a mounth for plus the ins.so because of that jerk im out 500 plus the 765 make my car payment this mounth 1265 thats just great.iv had old cars know all about it like i had a 1979 camaro z28 that ran 9s,a 1973 340 ralley charger 4 speed yellow with black stripe,whitch where nice but i wanted something new that i just owend.and it will be my last car for me.shure i will buy other cars but for the wife and kids not me