Buying a Car? Don’t Forget the Insurance Quote First!

July 14, 2025||inPersonal Insurance|auto insurance, personal insurance

Hey there, future car owner! 🚗✨

There’s nothing like the thrill of shopping for a new (or new-to-you) vehicle—test drives, shiny paint, that fresh car smell. But before you fall head over wheels for your next ride, here’s a quick tip that can save you money and stress down the road:

Get an insurance quote before you buy the car.

Seriously—getting a quote could make a difference in your decision.

Car driving
Click here to submit an inquiry to Murphy Insurance or call us at 800 222 8711

Why It Matters

Not all vehicles are created equal—especially when it comes to insurance costs. Two cars might look almost identical on the outside, but one could end up costing you hundreds more per year to insure.

Here’s what can impact your insurance rate:

  • Make and model – Sports cars and luxury vehicles typically cost more to insure than sedans or SUVs.
  • Safety features – More advanced safety tech could mean discounts.
  • Repair costs – If a car is pricey to fix, expect higher premiums.
  • Theft rates – Some models are more frequently targeted by thieves, which can drive up rates.

A Real-World Example

Let’s say you’re deciding between a sporty coupe and a mid-size SUV. They’re the same price at the dealership—but the coupe might cost $500 more per year to insure. If you had the quote upfront, that information could factor into your final decision—or your budget.

How to Get a Quote (Without Getting Overwhelmed)

Once you’ve narrowed down your top one or two choices, that’s the perfect time to reach out for a quote. Getting pricing for every option on your list can be time-consuming, so it’s best to wait until you’re seriously considering specific vehicles.

Getting a quote is easy! Just reach out with:

  • The year, make, and model of the vehicle
  • The vehicle identification number (VIN), if you have it
  • Your basic info (driver’s license, address, etc.)

Since preparing a quote involves a few steps to ensure everything is accurate, be sure to give yourself a little time in your car-buying process. That way, the Murphy Insurance Team can provide you with the information you need to make a confident, well-informed decision—no last-minute surprises.

Final Thoughts

Buying a car is a big investment. Make sure you know the whole cost before you sign on the dotted line. Getting an insurance quote ahead of time can help you:

  • Budget smarter
  • Avoid surprises
  • Feel confident in your purchase

So before you fall in love at the dealership—contact us for a quote for the car you are considering. We’re happy to help you find coverage that fits your car and your budget.

Happy car shopping—and drive safe! 🚘

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