[cercis]

Saturns are one of the cheapest cars to insure. They also tend to get really good gas mileage (my 1998 was getting 30+ until I switched to full city only driving).

You can get a good used Saturn for a decent price and save on insurance and gas.

You should call around to your insurance agent and go over several different cars and get quotes for them. Start with a new car you like, go to a used version of that car and then ask the agent what cars they recommend for saving on costs.

Then, sit down with the mileage rates for different cars (for this, go with the estimated mileage for your Jeep, not necessarily your actual rate) and figure out savings there.

In insurance and in fuel costs. Also, call around to maintenance facilities and see what regular maintenance will cost for each vehicle. And price tires. Figure to have to replace them every 50k miles (so at 95 miles/day, every 1.5-2 years, depending on how much you drive during the week)

At the end of all this, look to see what you think you can save. If you can save some money, then it might be worth it. Plus, if you can continue to pay what you currently pay in all these things - but put it toward paying off the vehicle early, then you could come out way ahead. Most vehicle loans are "simple interest" and the interest is added every day. So if you pay early, you will pay less in interest. By contrast, most mortgages figure interest on a monthly basis, so as long as you get it in by your due date, you pay the same amount in interest.