Leasing they make you carry comprehensive insurance. Last new car I paid off in a couple of years then I self insured, for a savings of around a grand per year. I have always thought leasing was for people who like to trade cars every year out of vanity or for certain work reasons, or companies who supply a car to the employees as a way to retain some control over them, as a job perk, or as a way to obtain a better public image. Otherwise it just doesn't make a lot of sense- MX costs are low these days, mileage penalties, fees, insurance and so on all add up with a lease. Not the cheapest way to keep a car.