I have a pick-up truck my dad gave me in 1994. It has only 87,000 miles. I pay about $300 a year for insurance and tags. I drive it about 1000-2000 miles a year, mostly for long trips or errands that require a truck. I usually use my Vespa otherwise if I need to drive. I ride my Vespa year round, even in cold or rain, unless the rain is really severe and there's flooding.
I keep the truck for a few reasons. First, if I need to haul things it is very handy. I also like to take my bicycle to meet a local bike group from time-to-time. I will also use it if I have to run an errand in a city about 30 miles away. Every time I start thinking I should sell my truck, I end up having to go to that city or haul something, and then I'm really glad I still have it. Also, I think that if all else failed, I could hire myself out to haul things for people if I ever was unemployed and needed money. With a camper shell I could live in it. I've heard that if you don't have car insurance you are penalized if you ever have to get car insurance in the future, so I also keep it for that reason. But I do have motorcycle insurance so I don't know if that would be an issue for me.
What would you do?