If you are in a situation where you only need a car one day a month or even two days a month, it may be cheaper to forgo car ownership and rent a car for those one or two day out of a month. You would need to pick up the insurance from the rental... but this would be a lot cheaper than owning a car.

If the rental is $80/day or even $100/day this is only $160 to $200 for the two days you need. Car ownership is still more expensive.

example:

assume you buy a new car at $20,000. You own the car for 10 years. At the end of 10 years, you sell the car at $4000. Then your monthly depreciation rate is around $134/mo.

And if you own a car then there is the maintenance, the insurance... So for the luxury of owning a car for the two days you really need, its going to cost you more than renting a car. or even hiring a taxi.

Taxi is cheaper than even renting a car for the one or two days...