State Fees on new Vehicles?

Priced a new Nissan Titan XD, Crew Cab, Diesel, Pro 4X. The State tax (Indiana) must be paid on the full retail price (Not the agreed to price) of the vehicle, & then there is all the other junk listed as follows...

MSRP $56,255
Dealer Offer of $45,692
Doc Fee: $569
License Fee: $624 (that I believe is not the license plate.)
State taxes: $3760.37

That's a grand total of $4,953.37 Just in Fees!!! Almost 11% of the Agreed Price!

Insurance with $1000 deducts is additional $514/6 Mo.

I'm Sure some areas of the country are worse, & many are not as RIDICULOUS!!!
But I am curious to know!
 
Scotty, those fees, which are really just another name for taxes, are just about everywhere. Here in NY state we pay sales tax on the amount of the purchase less any trade in. It would be about $4000 on a purchase like yours. The insurance would be about the same if is financed but less if you pay cash and pick your own insurance option. The fee for the plate would be about $200 for two years.
 
It makes more sense than raising the gas tax, if you can afford the vehicle, you can afford the fees! If you raise the gas tax the less fortunate folks driving older less efficient vehicles pay more than you. Have you seen what it costs to build and maintain a highway nowadays? Someone has to pay for it!
 
Just think about the sales tax on vehicles. A Corvette may be bought and sold 15 or 20 times in it's life..... the state will collect sales tax each time...... it may add up to much more than the original value.

Did hear one good thing about the House income tax package....... it rescinds the $7500.00 subsidy on electric vehicles. I'll have to stop asking Volt owners for my $5 back!

Bill
 
(quoted from post at 06:05:10 11/12/17) I'd like to see a comparison of the costs of building highways versus the costs of pensions for state workers.

Well that's apples and oranges. State workers don't build highways.

However I'd like to see the comparison of the money collected for building highways (fuel tax) and the money spent on highways.
 
The doc fee is a dealer scam to make a few extra bucks. If the dealer wants to sell the overpriced truck, they WILL waive the doc fee. I have walked on car deals over a doc fee, dealer tried to tack it on after we agreed on a price, I said take it off or I walk, they wouldn't, so I did. The sad part was I worked for that dealer at the time and it was a vehicle going to whole sale. They took it to auction and got less than I offered, all over $100 doc fee. I rarely buy from dealers, but when I have I tell them I don't pay doc fees up front.

Sales tax should only be paid on the actual agreed upon price, the money that changes hands. But with my recent run in with the BMV, I wouldn't be surprised if they use some pie in the sky value for the tax.
 
I guess they figure anyone willing to dump $50,000 on a French-Datsun won't mind giving a few more bucks to the state government. Easy fix is not to buy one. I bought one new car in my life. A new Nissan Sentra in 1987 for $5600 and I am still upset with the huge price. I think I'd quit driving before I ever shelled out, or went into hock for, a vehicle for over $50,000. I could buy 2-3 houses and some land for that.
 
I've lost my butt on every used car/truck I ever bought, over-priced money pits, nothing but unreliable junk from inept prior owners. Best value has been with brand new cars/trucks I ordered out and waited the 6 to 13 weeks for.
I bought 2 used trucks, one barely lasted 3 years and should have been junked, next one lasted 7 years, bought a new one I ordered out, lasted 9 years and got half the purchase price on trade, last order out I did is soon going to be 22 years old and no signs of giving up yet.

Same situation on new vs used cars. Get 2 to 3 years use from 2-3 year old used car when repair estimate exceeds car value, new car lasts 9 to 12 years.
 
My son just bought a two year old truck. I will hear about what the state gets by tomorrow evening. Our taxes should not be to high because years a go we had a governor that could not keep her eyes off of the highway fund coffers. Now we have slowed way down on road work and let the big hand take a good share of the pie each year.
 
Some dealers will take a 200.00 junker in for 11,00.00 on paper . That gives the buyer a good reduction in sales tax.
 
Just about every vehicle I own, I bought with over 100,000 miles on it. I have done fine. My 1994 F250 diesel has over 300,000 and the engine has never been apart. My 2001 Chevy Tracker has 250,000 miles on it and also has never been apart. NO major repairs ever since I have owned it.

Hey - different people do things different ways. I buy with high miles. Pull in my shop and check all over before using. I just about always put in new brake, fuel pump, belts, and water-pump. Sometimes wheel-bearings. Then I drive for years until the vehicle rusts out. My 1998 Dodge Grand Caravan AWD has 220,000 miles and runs like new. But - this the last winter. Rusting out real bad and the computer is starting to fail, one circuit at a time. I have the fuel-pump hot-wired now to make it run.
 
My '96 F-250 PSD also over 300,000 miles. Will be 22 years old next June 27th since I took delivery brand new. My little car, S-40 Volvo will be 12 yrs old and about 150,000 miles June 28th. Replaced wife's 2003 Mercury Mountaineer two years ago, 12 yrs old and 205,000 miles when cost to repair A/C was twice what the car was worth. I wanted to send it down the road two years before that when it was still worth something but wife wouldn't let go of it. Replacement was brand new on the showroom floor Ford Edge. 40,000 miles in 2 years and has been totally trouble-free.

We're liable to take off on 1000 to 2000 to 5000 mile trips. Long trips we'll rent a car, short trips we just jump in the car and go! The idea of wiring something together with baling wire and bubble gum not going to work for me. All my cars/trucks get rust proofed at the dealer, Auto Armor or equivalent. My truck has been thru 21 Wisconsin winters and no rust holes, bright red paint still shiney. Volvo, Mountaineer, and Edge all got same treatment, no rust. You buy a used car off the lot it will far apart due to rust like your van.
 
Truth is, most people can't afford a new vehicle. They just make payments. My wife and I both make a very good income, but we just can't justify anything close to a new vehicle. I bought two pickups this year - a 2005 Ford F150 with 180K in fantastic condition for $6500 and a mostly worn out 1999 Ford F350 6 speed manual 7.3l dually flatbed with the odometer broken at 279999 miles for $4000. Both were bought with cash with no trades. My taxes and fees were far, far less than that Titan you're looking at. The 05 costs $200/6 months full coverage insurance and the dually costs $92/6 months liability.

Even with zero percent interest, you're paying a huge depreciation. $50k for a pickup that will be worth $20k in five years and under $10k in 10 years is a huge loss. My $4000 dually will be worth $4000 for awhile, but even if I park it in a fencerow after 5 years, I've only lost up to $4000. The guy who buys a $50k pickup loses $30k over the same time period.

If you can't afford the fees, you can't afford the vehicle.
 
I thought California was bad. You state may be worse. We are getting hit for an extra DMV fee the first of the year for 50.00 plus another fee for the Highway patrol of 25.00. On top of the new fuel tax of 12 cents for gas, and 20 cents for diesel starting now. Stan
 
How are they making you pay tax on an imaginary number and not the actual selling price? Sounds like someone should sue the state for robbery. That would end the deal for me.
 

Have a look at the taxes a person in Denmark is forced to pay on a new internal combustion vehicle . The social engineers are forcing ICE off the road and tax payer subsidizing battery vehicles . To save the world .
 
"Almost 11% of the Agreed Price"

And you are complaining?
Our average state and local sales tax in Louisiana is over 10%

The state gets...
Title Fee $68.50
Record Mortgage Fee $15.00
License Transfer $3.00
Handling Fee $8.00
Plate $91.38 every 2 years

Plus you add the dealer handling and notary fees.


But to be fair I have never paid a nickel is property taxes on my 5 acres.
 
Last week I paid 1681.00 NJ sales tax on a new 240068.00 Toyota Tacoma. They also charged me for 5 years registration. They said that was mandated by the state. I told them that I will be relocating back to Pa in the near future. They said to take that up with my stat politicians.
 
Teasing Alert! All those taxes makes Amish horse and buggy seem smart way to go- especially if you have extra hay. horses can provide own replacements, buggies patched up with scrap wood, downed trees from woodlots. Renewable energy source- same woodlot. Lot of Amish using some solar panels for the cell phones - not hooked up to landline in house so it meets Ordnung. tobacco taxes? grow your own tobacco if you want to smoke--and maybe keep a list of 'English' nicotine addicts that have some spare change, willing to roll corn husk around home grown (lots of English do that with the Wacky Tobacky). Taxes and government hassle seem to be one reason Amish still around- Juries believe Amishman more than Politicians and prosecutors. They do have a problem with vehicles and inattentive drivers killing some of them though-- might have to get a armored buggy, ROPS system, extra kerosene laterns- maybe old civil war pattern cannon aimed at tailgaters. RN
 
I do not know where you are getting your depreciation figures. I am in the minority here on this conservative board but I have been driving ford f 150s since 1982 . Trade ever two years and figure my cost per mile and think I come out better than folks driving older vehicles, considering I drive about 35,000 ever year. Never have to be out expense of , batteries, brakes, and all the other small repairs, stay under warranty and have a vehicle ready to go any time. Has to be folks like me for you guys to have used vehicles to buy.. Guess I am the sucker but my used trucks always bring premium money. Sales taxes here are based on the difference one pays in trade.
 
(quoted from post at 14:19:26 11/12/17) I guess they figure anyone willing to dump $50,000 on a French-Datsun won't mind giving a few more bucks to the state government. Easy fix is not to buy one. I bought one new car in my life. A new Nissan Sentra in 1987 for $5600 and I am still upset with the huge price. I think I'd quit driving before I ever shelled out, or went into hock for, a vehicle for over $50,000. I could buy 2-3 houses and some land for that.

French-Datsun? Where do we get French in this? Datsun is just a brand name for Nissan that they no longer use in the U.S. and haven't used since 1986. You bought one new one in your life? Congratulations for driving someone else's junk. Where do you buy 2-3 houses for $50,000, or much land for that matter? Certainly not in my area.
 

I'm in Ohio and just bought a used car to back up our primary vehicle (actually need to take that one off the road to do some repairs and maintenance on it). Doc fee was $200 and covers temp tag and title work and fees, worth it to me to not have to go to their office and deal with the BMV on that stuff. Taxes on the sale amount in my county is 6.75%. Registration for a passenger car is $54 and change, might be some added due to needing a new plate since this isn't a transfer. Insurance with $500K liability, UMC and $500 comp and collision ded. is an extra $24 a month on my policy.

My sympathy to everyone that is in a high tax, high fee state. You get what you vote for.
 
Indiana just raised the tax on gas by 10 cents a gallon and this is in a state that hasn't elected a nnalert in years.
 
the DOC fee is nonsense. its only a dealer scam for more $. i've had dealers tell me its the law but that it complete hooy and fraud really. NOT mandatory.

problem with Indiana and some other states is they have excise taxes on vehicles so its the gift that keeps on giving. it does go down each year but its based on the type of car and its original value or MSRP. my old beater cars are about $72-75/year and will not go any lower than that.

Indiana like many states has had their gobberment use the gas taxes for other stuff and then raise the gas tax to pay for road repairs. not happy about that one. Indiana has also allowed local governments (towns) to add a "wheel" tax if they want. so depending on where you live you could get socked with $25 wheel tax from the county ($5 + $5 for each wheel) plus wheel tax from the city ($5 + $5 for each wheel) = $25 or $50 total.

Daniels touted how he capped property taxes but the local governments just bumped up and up all the property value assessments to make up the difference.
 

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