Even if it doesn't snow, you shouldn't be using your summer tired below 40 degrees or so. Just get All Seasons and switch when it gets below 40 during your driving hours. They should last a long time of you only run them during the winter.
If you can't afford that, you probably can't afford the new summer tires you're going to need a lot more often than a normal car needs tires i.e. this isn't the car for you.
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