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If it ain’t broke, don’t fix it. I wish I could say the same about the radiator in my bedroom, though.

A little bit about me: I’m from Phoenix, Arizona—the land of eternal sunshine and cacti—so I’ve never experienced real cold seasons. I’m one of those people who shed a few invisible tears when I was forced to say “Adios, Summer” on September 23, the first official day of fall. Unlike Rihanna, who wasted no time stepping out in full-on autumn attire the night before.

Her outfit of choice? An oversized $3,195 Miu Miu coat, baggy boyfriend jeans, and a pair of ever-so-trendy Timberlands. And ever since then, the Bajan beauty has been wearing almost the same thing every time she’s spotted out and about in New York City. Oversized coat. Boyfriend jeans. Timberlands. Rinse. Wash. Repeat.

If you are anything like me (you don’t own a real, warm coat because you’ve never had to) and are on the market for fall outerwear that you can wear all season long without breaking the bank, I’ve rounded up 10 coats that talk that talk like RiRi’s, but with much cheaper price tags. Each one is under $200.

Pick one, rock it with loose denim and a pair of Timbs, and viola: A fall outfit with a Bad Gal’s stamp of approval.

Shop ’em all with a click below.

PHOTO CREDIT: Splash

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