First fitted winter tyres in the late 80's when my daily commute was 75 miles, they were well worth it but when my commute reduced in about 2002 I decided to save money by not buying a second set of wheels for the new car. Should add that upto that point I had run 3 Golfs and used the same tin wheels on all 3.
When my circumstances changed again 2 years ago I bought a set of wheels off e-bay for £120 and a set of winter tyres for another £300. OK £420 is a lot of money but it was much less than a set of summer tyres. So far I have covered about 8000 miles on the tyres and the wear on them is minimal, I would estimate they have another 25,000 miles left on them to the TWI's.
The winter tyres are no noisier than the "premium" tyres I use in summer and the car feels exactly the same on the road. I use them from early November to late March. My insurer (Aviva) charges me no additional premium.
I expect to keep the car another 2 years and subject to punctures I do not expect to have to buy anymore tyres for the car. Without the winter tyres I would need to buy a set of summer tyres which as I said above would have cost me more than the winters and wheels. When I swap the wheels will go back on e-bay if they are no good to me at which point i would have saved money.
Its personal choice but for me they do not cost me money in the long term and help ensure I can get home when the weather turns bad, we live at over 600ft and the snow can get pretty bad on our street which never gets cleared.
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