Miles & KeysWhat a car really costs, and when to stop paying it

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Independent guides for car owners

What a car really costs, and when to stop paying it

Plain-language guides on what owning a car costs: repairs, maintenance intervals, warranties, and the arithmetic behind keeping a car or replacing it.

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Featured · Ownership Costs

When a Repair Costs More Than the Car Is Worth

The rule about never spending more than the car is worth is the wrong test. Here is the arithmetic that actually answers repair or replace.

September 16, 2026 · 8 min read

No affiliate links. No sponsored posts. Every article shows how an ownership cost is put together, with the sources cited and dated.

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Buying and Selling

Is a Certified Used Car Worth the Extra Cost?

Measure a certified used car's premium against warranty miles, time limits, inspection findings and borrowing costs, using Toyota's published terms.

7 min read

Buying and Selling

The Sticker That Overrides Your Sales Contract

The Buyers Guide in a used car window is a federal document, and what it says beats anything contrary in the contract. How to read it before you sign.

7 min read

Buying and Selling

Is Buying a Former Rental Car Worth It?

Compare a former rental with a matched used car using inspection costs, maintenance records, warranty limits and Enterprise's published buyback conditions.

7 min read

Buying and Selling

Is a Flood-Damaged Car Worth the Discount?

Separate a flood-car price cut from inspection costs, hidden damage and insurance limits, with free VIN checks and a clearly labeled discount worksheet.

8 min read

Buying and Selling

How Dealer Add-On Refunds Affect Your Car Loan

Follow a canceled warranty or GAP product from refund calculation to loan credit, with California contract rules and a labeled prorated refund example.

7 min read

Maintenance

The 3,000-Mile Oil Change Is Over

California's own recycling agency says the 3,000-mile standard is out of date. Here is what decides your interval and what the sticker on the windscreen is for.

6 min read

Ownership Costs

Repair or replace, warranties, depreciation and what the next five years cost.

All ownership costs

Ownership Costs

When a Repair Costs More Than the Car Is Worth

The rule about never spending more than the car is worth is the wrong test. Here is the arithmetic that actually answers repair or replace.

8 min read

Ownership Costs

What an Extended Car Warranty Actually Buys

Vehicle service contracts are sold as peace of mind and priced like insurance. Here is how to read one and decide whether yours is worth the money.

7 min read

Ownership Costs

Electric or Gas: What Each Costs per Mile

A worked comparison of fuel and electricity costs per mile using current federal price data, and the three things that change the answer for your household.

8 min read

Maintenance

Intervals that are real, jobs worth paying for, and the ones sold too early.

All maintenance

Maintenance

The 3,000-Mile Oil Change Is Over

California's own recycling agency says the 3,000-mile standard is out of date. Here is what decides your interval and what the sticker on the windscreen is for.

6 min read

Maintenance

When Your Tires Are Actually Worn Out

The wear bars, the legal minimum and the point where wet grip falls away are three different depths. What the federal rules say, and how to read the date code.

7 min read

Buying and Selling

Used car checks, dealer paperwork, recalls and getting a fair price.

All buying and selling