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Each state taxes things differently - in NJ there is no tax on EVs, so it would be best to buy it at the time of purchasing the car, as separately it would be charged sales tax. Other states, such as MA, charge an excise tax (which I am not terribly familiar with) repeatedly over the life of the car, so it might be a better deal to buy it separately? Definitely a YMMV situation, but regardless of all of that, if you've got a good regards card you might even be able to subsidize a vacation with an extra 10k points, haha.For the people that want FSD is it always better to buy after and wait so you can get credit card points? Also not sure if tax factors but it will prob vary state to state/country.
It’s not worth $10K, $8K, or even $5K as it stands today.btw FSD is going up to $14k or $15k soon, as seen in source code artifacts. My order is for $8k, I think it's worth that. $10k? Ehhh. Is it worth it at an even higher price? It better be damned amazing...
Thank you for providing the answer to a question nobody asked.Credit card points are never NEVER worth a purchase on their own. The cash is better sitting in a high yield checking account.
Thank you for providing the answer to a question nobody asked.
OP asked if it was better to buy it with the initial purchase, or after, and the tax factors involved with either choice.The OP LITERALLY asked "... so you can get credit card points."
The OP ACTUALLY asked "For the people that want FSD is it always better to buy after and wait so you can get credit card points?"The OP LITERALLY asked "... so you can get credit card points."
Thanks yes for clarifying and sorry didnt mean for this to be an fsd is worth it or not purchase. that was not the intentThe OP ACTUALLY asked "For the people that want FSD is it always better to buy after and wait so you can get credit card points?"
Using my highly tuned analytical skills to deduce meaning and intent from this sentence, it is obvious that the decision to spend $10,000 has already been made, and they are asking for advice on how to do it (with the initial purchase of the vehicle, or after the fact using a credit card).
The question you appear to be answering is "hey guys if I spend $10,000 on my credit card I get 10,000 points is that worth it or should I just leave it in my savings account?" But again, nobody asked that.
Crap didnt think about insurance. ThanksBack to the actual question - OP, I think you're right in that the details probably vary from locale to locale and it's certainly not "always" better to buy after the fact with a credit card.
Some specifics that are worth consideration:
- Some states, like New Jersey (referenced above), don't charge tax on EV purchases. This would make buying with the car the better deal.
- Some states, like California, charge an annual vehicle license fee based on MSRP, starting at 0.65% of MSRP in year 1 and lowering to 0.0975% by year 11. This is significant, and recurring, so probably makes sense to buy post-sale and only pay the sales tax once.
- The point about insurance is a good one, and in either case you should make sure that the full value of FSD is represented and accounted for in your policy, whether purchased with the car or after.
Not buying FSD on my new model 3. Not worth it at 10k. Auto pilot is fine for me.btw FSD is going up to $14k or $15k soon, as seen in source code artifacts. My order is for $8k, I think it's worth that. $10k? Ehhh. Is it worth it at an even higher price? It better be damned amazing...