15 Unexpected Car Costs and How To Prepare For Them Now

Every driver knows to budget for car payments, liability insurance and things like gas, oil changes and repairs. But cars, trucks and SUVs have a way of throwing unexpected and expensive curve balls at the people who own them.

To better prepare, take a look at the car costs that catch far too many drivers by surprise.

1. Accidents

There are about 6 million car accidents every year in the U.S. -- and no one plans for any of them. That's why they're called accidents. If the accident is the other driver's fault, their insurance will cover any damage to your car. If it's your fault and you have collision insurance (as opposed to just legally required liability insurance), your provider will pay for the cost of repairs. You will, however, be responsible for your deductible, and if you're injured, medical treatment comes with big bills. If you're forced to miss work, you could take yet another hit in the form of lost income -- and if you don't have collision insurance, you foot the entire bill solo.

2. Increased Premiums

As previously stated, your insurance company will cover the cost of repairs for the other driver if you cause an accident -- and yours if you have collision coverage. Your insurer will pay, but they won't be happy. If you're at fault, it's all but guaranteed that you'll be hit with an increase in your monthly premiums.

3. Traffic Tickets

According to Esurance, Americans pay $6 billion per year in speeding tickets alone. The average cost of a speeding ticket is $150, but depending on the circumstance and your record, that number can rise much higher and even into the four digits. Tickets aren't exactly inevitable, but with enough time on the road, receiving one is an unpleasant experience that even good drivers go through once in a while. If the ticket is serious or you start piling them up, your insurer will likely hike your premiums.

4. Parking Tickets

Those little pieces of paper under the windshield wipers of parked cars generate billions of dollars in state revenue -- and in some cities, parking signs seem to be almost intentionally confusing and enforcement agents almost manically zealous. They cost less than traffic tickets -- generally inside $50 -- but add-ons like late fees add up quickly and you might have to take off work to go to court if you intend to fight it.

5. Getting Your Car Towed

Coming back to your spot to find a ticket on your windshield is upsetting. Coming back to find that it's been towed is downright daunting -- and for good reason. Cars are usually towed to remote locations and getting them back can be a chore -- and an expensive one, at that. Between towing fees, storage fees and other associated costs the industry is infamous for, recovering a towed car will certainly cost you hundreds, often into the high hundreds, or more.

6. Having Your Car Towed

In the case of a flat tire or mechanical breakdown, you might have to get your car towed on purpose. While it's not as expensive as recovering a towed vehicle, having your car towed is not free, either. If you're stranded and have to pay to have your car towed to a garage, you can expect to pay between $75-$125.

7. Roadside Service Plans

You can avoid the cost of roadside rescue and towing by buying into a roadside assistance plan to protect you in case of an emergency. The most famous is AAA, although there are plenty of options, including ones possibly through your own insurance company. It will cost you in the neighborhood of about $50-$70 a year for a basic plan, which buys you peace of mind in case you run out of gas, break down, lock yourself out, etc.

8. Replacing Your Keys

Losing your car keys was always an annoyance, but today it's often an annoyance that comes with a significant expense. Modern entry devices like fobs, transponder keys, laser-cut keys, switchblade keys and keyless entry remotes can cost hundreds of dollars -- close to $1,000 for some luxury cars -- to replace.

9. Replacing a Windshield

Even small cracks in windshields don't stay small for long. In some cases, a crack can be filled and repaired, a service that usually costs less than $100. More severe windshield damage, however, might require a full replacement. In that case, you can expect the cost of installing a new windshield to begin approaching the mid-hundreds.

10. Replacing Tires

Old, worn tires are much more prone to blowouts and flats that can't be repaired. Even a brand new car on a test drive, however, is not immune to irreparable damage from potholes, curb impact, nails, glass and other debris. Moderately priced standard all-weather tires will generally run you from $100-$300 -- each.

11. Depreciation

You're going to lose money on your car even if nothing goes wrong. It's called depreciation, and if you plan to sell an old car to pay for a down payment on a new one, expect to be underwhelmed. Depreciation affects every model and type of car differently, but all cars lose value quickly and perpetually, especially in the beginning. On average, a new car loses 10% of its value as soon as you drive it off the lot. By the end of the first year, it will have lost 20% of its value and 15% every year after that until it's worth 60% less than you paid for it five years out.

12. Fees

When you buy a new car, you have to factor fees into your budget. Dealers have been known to try to tack on extra fees that you can and should contest. Other fees, however, are mandatory, and although they vary by state, there's no getting around them. They include registration fees, taxes, title, emissions testing fees and delivery charges.

13. A Spike in Gas Prices

Presuming you don't drive an electric vehicle, gas station stops are a part of life for every driver. It's important to keep in mind, however, that the price at the pump when you buy your car is not locked in. A huge number of factors influence the price of fuel, and the cost per gallon can spike by more than $1 in a single year, making your car suddenly feel more expensive.

14. Vandalism

Few things are more infuriating than auto vandalism, especially when you realize that the cost of fixing a broken window or keyed paint will land on you if you don't have comprehensive auto insurance. If you stick with only the basic liability insurance your state requires, you pick up the tab for the reckless instincts of vandals.

15. Mother Nature

Wind, hail, falling branches and even animals damage cars all the time. The people who drive those cars have to pay to fix that damage, just as they would if it were caused by vandals. Here, too, the solution is comprehensive coverage. You're either going to pay for supplemental coverage a little at a time or you're going to pay a lot all at once when Mother Nature decides your car has had it too easy.