They ' re often available for like 1 %. You can make your money work more for you doing almost anything else with it , and then just paying that , thus coming out ahead . The opportunity cost gained back of having your money and just taking the loan is probably worth the 1 % alone . For example , if you ' re paying 4 % on a mortgage , instead of putting aside money every month for your car for two years , you could put it toward your house . It doesn ' t make a ton of sense to have 4 % flying out the door , to lower payments on something costing you 1 %.<| sep |> Well the truth is anyone can be sued for a traffic accident involving an injury and or property damage . Some people don ' t carry enough coverage . In California , the state minimum is $ 5000 for property damage . That ' s the damage for a good fender bender on an older car . So if your worried you may want to carry higher coverage than the minimums . Check with the insurance company to see if you are sued will they help offset the cost of attorneys fees . If you follow your doctors advice and the law you should be covered . Keep a good seizure journal just in case .