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! 🚘

Read Other Blog Posts

Woman buying a car

Shopping for a Safe Vehicle

When shopping for a new vehicle, safety should be a top consideration. This brief guide outlines key safety features—from crash protection to advanced driver assistance systems—and explains how they can impact your insurance costs. Understanding these factors can help you make a smarter, more informed purchase.
Read more
Operating Under the Influence (OUI) Will Cost You Money

Operating Under the Influence (OUI) Will Cost You Money

An Operating Under the Influence (OUI) conviction is more than a legal problem; it’s a financial disaster. Between fines, court fees, license costs, higher insurance premiums, towing, and lost wages, one mistake can cost you between $11,000 and $30,000. The best way to save? Don’t drink and drive.
Read more
Fresh Look at Personal Insurance SMM

A New Year, A Fresh Look at Your Protection

A new year is the perfect time to review your insurance and personal risk management. Life changes, rising costs, and growing responsibilities can all affect your coverage needs. A quick annual check can help ensure that you and what matters most are properly protected.
Read more
Car side-view

How Deductibles Affect Auto Insurance Premiums

Learn how your auto insurance deductible impacts both your premium and your protection. Choosing the right deductible can help you balance monthly costs with what you would pay out of pocket if an accident or covered claim occurs, giving you better control over your coverage and budget.
Read more
Murphy Insurance Agency Supporting Local Charities Through Employee Generosity

Murphy Insurance Agency Supporting Local Charities Through Teamwork

Murphy Insurance proudly supports local charities making a meaningful impact across our communities. Through agency contributions, employee generosity, volunteer efforts, and seasonal drives, we help provide comfort, care, and essential resources to families in need.
Read more
Dennis Blog

The Murphy Insurance Difference

As a third-generation, family-owned agency, Murphy Insurance has always believed insurance should be personal. From thoughtful guidance and access to top-rated carriers to hands-on support when it matters most, we are committed to protecting the families and businesses we serve. Built on trust since 1937, our focus remains on long-term relationships, honest advice, and helping our clients feel confident at every stage of life.
Read more
Keyhole

Make Home Security A Top Priority

Keeping your home and family safe should be one of your top priorities. Specifically, it’s important to protect your household from the risk of invasion. Fortunately, there are several things that you can do to bolster the security of your home. Consider these top security measures.
Read more
Kitchen faucet

Preventing Water Damage: What Homeowners Need to Know

One of the most common causes of water damage within your home is often preventable. With this in mind, be sure to follow this guidance to keep water damage from wreaking havoc on your home (and your wallet).
Read more
Driver and passenger

Don’t Drink and Drive

Driving while under the influence is not only dangerous for the impaired driver; passengers, other motorists and pedestrians are put at serious risk, too. That’s why it’s important to avoid getting behind the wheel after drinking too much. One drink can change your night — one decision can change a life. Choose wisely. Don’t drink and drive. Read more about guidance on preventing drinking and driving.
Read more
PreviousNext

Visit Our Auto Insurance Page

Auto Insurance

At Murphy Insurance, we are here to assist you in obtaining the appropriate auto insurance. Choosing the appropriate auto insurance coverage can be overwhelming. Every insurance company has its unique offerings, making it challenging to compare options effectively. That’s where we shine. We simplify the process by helping you evaluate provider and policy choices, seek out discounts, and optimize your car insurance within your budget constraints. Ultimately, our goal is to provide you with peace of mind, knowing that you and your loved ones are well-protected.