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Old 11-08-2013, 05:50 AM   #1
6mm
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Hidden cost

We are getting close to a purchase of a 2014 MH and I think final price will be just shy of 250,000.
Now not having a pile of extra cash laying around we are wondering how much we have to shell out after the purchase.
Items such as
1-Plates
2-Taxes on purchase
3-Insurance on MH
4-road service
5-extended warranty
Please list amounts and any thing else I have missed
Thanks
6mm
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Old 11-08-2013, 06:13 AM   #2
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1. My registration is ~$50/year
2. %6.75 where I live.
3. ~$560/year GMAC now National General through Good Sam, although I had quotes to $1500.
4. Included in the insurance. Good Sam charges ~$75 stand alone/ year.
5. I was quoted ~$5500 for 7 years.

Have you considered the cost of outfitting? Hoses, dinnerware, towels, parts spares, etc?
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Old 11-08-2013, 06:34 AM   #3
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Coma,
Yes we have thought about the outfitting of the coach and think we have most stuff and the items we do not have that cost will not be a problem.
One good thing is that I employ three mechanics and a electrician and we repair our own heavy equipment.

So would a thousand a year sound about right for added cost per year to operate the MH
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Old 11-08-2013, 07:56 AM   #4
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If you are working with a dealer they should be able to get you accurate prices on everything but the plates. Sit down with there finance person, he/she will be able to quote you extended warranty prices ( price may be negotiatable), road side assistance cost, and they probably have an insurance person that can give you accurate quote on rates as well. They will of course quote you on any financing you might need as well.
That should be part of there service to help you decide what to buy.
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Old 11-08-2013, 08:15 AM   #5
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You may or may not have to pay some of those costs. Double check. I know in AZ if you buy from a private person, not a dealer, then there are no taxes. There are always different costs for different things. Double check with your state motor vehicles department to find out.
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Old 11-08-2013, 08:22 AM   #6
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Quote:
Originally Posted by 6mm View Post
We are getting close to a purchase of a 2014 MH and I think final price will be just shy of 250,000.
Now not having a pile of extra cash laying around we are wondering how much we have to shell out after the purchase.
Items such as
1-Plates
2-Taxes on purchase
3-Insurance on MH
4-road service
5-extended warranty
Please list amounts and any thing else I have missed
Thanks
6mm
Don't forget the Toad, tow bar, base plates, brake system. These add up.
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Old 11-08-2013, 08:55 AM   #7
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Holy Cow forgot the Toad and parts and pieces.
Thanks
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Old 11-08-2013, 09:01 AM   #8
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Quote:
Originally Posted by 6mm View Post
Holy Cow forgot the Toad and parts and pieces.
Thanks
ASSUMING you have a suitable vehicle that can be towed 4 down, you are looking at ~ $3,000.00 or more for a base plate installed, the tow bar, and a supplemental brake system for the toad.

A tow dolly will be a little cheaper, but not worth the hassel, IMO, unless you have acar that will work on the dolly, but can't be towed 4 down.
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Old 11-08-2013, 09:11 AM   #9
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Holy Cow forgot the Toad and parts and pieces.
Thanks
That's a one time charge of about $2k if you install it yourself - Blue OX and SMI-ASF1.

We are in MI and are screwed repeatedly by the state. Plates are .0047% of original MSRP per year. Yes MSRP not actual selling price. And it never goes down.

Michigan is fighting with LA to become the most expensive state for auto insurance. About $1500 per year with all the multiple discounts included. I've had quotes from insurance brokers you hear or see on this site and their over $2k.

I know, move. DW says not yet!
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Old 11-09-2013, 07:04 AM   #10
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Coma,
Yes we have thought about the outfitting of the coach and think we have most stuff and the items we do not have that cost will not be a problem.
One good thing is that I employ three mechanics and a electrician and we repair our own heavy equipment.

So would a thousand a year sound about right for added cost per year to operate the MH
The $1k should cover routine maintenance, too. I bought a ready brute elite with all the bells and whistles for ~$1600. Your shop should be able to install in an afternoon.
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Old 11-09-2013, 09:03 AM   #11
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have you thought to get a just little older unit but with low mileage and in decent shape? i found that there are a lot of good deals out there, well worth the money. $250k is an overkill for me, maybe it's just me. you can get a well built, super clean diesel pusher in $150k range made in 2006-2009, which will last for many years trouble free. just my 2 cents.
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Old 11-09-2013, 10:16 AM   #12
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It will solely depend on your location,credit score and
purchase price? In my location
For a 250k
Tag=$2,300 a year
Tax on purchase 6.5% $16,000.00
Insurance good coverage $2,000 a year
Maintainace $300 a year
Just estimates and the list Will go on and on.
You may not need a pile of cash but you do need a stack.
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Old 11-09-2013, 10:27 AM   #13
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Yes a good used MH would be fine but I have narrowed my search to a Newmar unit and if I bought used I would like it to be 2012 or newer.

The unit we like the most is a Newmar DSDP-4018
We don't think we want a 45' but does have to be a tag axel.
The 250K would be for a 2014 model but we have not got down to the final price yet on any model.
This is fun stuff.
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Old 11-09-2013, 10:42 AM   #14
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Dont forget to plan for annual/periodic maintanence. Oil changes MH and Genny, Axle lube, air filters, fuel filters (including Aqua Hot's filter if applicable). You can save $$$ if you feel comfortable doing yourself. Most are no more difficult than on a car but others can be more challenging.

Winterizing (can be cheap if you do it yourself). Plan to use the MH during late fall/early spring? Then multiple winterizings so best to do it yourself.

State safety inspections (if applicable). Higher if over 26,000lbs here in VA. Being new it should not be an issue anytime soon. However, I only went a short year so my sticker expires in the winter. The dealer can schedule same day appt (when the weather is projected to be nice) and it reminds me to exercise the engine/trans and genny.
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