DId anyone mention the fact you have to have full coverage insurance on this vehicle for nine years or am i mistaken? I suppose another reason for the longer loan terms is the quality of the vehicles being produced today. They are on the road longer and the total vehicle mileage is climbing before they are "junk". I know any 70's to 80's model GM car with over 100,000 was a nightmare to maintain as far repairs and general reliability. Trust me I have owned several. SO thats my two cents and I'm stickin to it..lol.