now , if the three-year-old car is a good , reliable car that is n't likely to need any major repairs anytime soon , and if their loan payments are only three hundred dollars per month for the older car , and if the auto insurance is only one hundred and fifty dollars per month , and if gas and maintenance is about one hundred and thirty dollars per month , then it costs the stein 's about five hundred and eighty dollars a month to drive and use the older car .