One of the realities of owning or leasing a car is the necessity to purchase car insurance. Virtually all of our nation’s 50 states require you to have car insurance to license your vehicle and drive it. It’s one of those things that is both good for you and good for society. It’s good for you because having insurance can stave off financial disaster. And it’s good for society because it protects the general public from the costs associated with automobile accidents that might otherwise fall on the state. Since car insurance is, like death and taxes, inevitable, it might prompt you to wonder if car insurance should influence the car you buy.
If you have all the money in the world and thus you don’t care about the cost of your car insurance, you can answer no to that. Simply buy the car you want, and when you get the quote for the insurance send it off to your financial people and have them write a check or transfer the funds. If, on the other hand, you are like most of us and have a budget to contend with, you might well let the cost of car insurance influence the car you buy.