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Cars on the LotAre you on the hunt for a new car? Car shopping can be an exciting time, but also stressful — since most people are limited by their budgets. But while many people get caught up budgeting for a monthly car loan payment, they sometimes forget to budget in a monthly car insurance premium as well. How much should you plan to spend on coverage? The answer is different for everyone.

Auto insurance premiums are calculated using hundreds of factors, including:
  • Car make, model and year
  • Your age and gender
  • Your driving record
  • Your credit score
  • Your marital status
  • And more
So while much of your premium depends on you, a big portion of it depends on the car you end up selecting. Someone seeking an expensive sports car may have a flexible enough budget for the higher insurance premiums that accompany flashy cars. However, someone with a more modest budget could greatly benefit from a car that is accompanied by a lower premium rate.

The best way to estimate an auto insurance premium on a new (or new to you) car is to contact your independent insurance agent. Once you've narrowed your search down to a short list of a few models, your agent can estimate a quote for each model so you have a good idea of what you can expect to pay for both your car loan payment and your premium payment. Some cars' premiums won't differ much, but some models may have a significant difference in premium rates (especially if you're shopping in a pre-owned car lot with vehicles of all different makes, models, years and conditions).

The best way to ensure you'll stay within budget is to ask your local agent for a few quotes before you sign on the dotted line and drive your new set of wheels off the lot.

Get a quote today. Call First Insurance Group at (800) 511-2892 for more information on Frankfort auto insurance.
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First Insurance Group
Main Office 2520 South Highway 27 | Somerset, KY 42501 | Phone: (606) 679-3570
Bardstown 107 Lincoln Way | Bardstown, KY 40004 | Phone: (502) 348-5921
Frankfort 1510 Louisville Rd | Frankfort, KY 40601| Phone: (502) 223-5100
Nicholasville 508 North Main St, Suite C | Nicholasville, KY 40356 | Phone: (859) 885-9454
Richmond 312 Jason Dr Suite 3 | Richmond, KY 40475 | Phone: (859) 623-6692
Glasgow 605A Happy Valley Road | Glasgow, KY 42141 | Phone: (270) 651-5723
Danville 811 S Fourth Street | Danville, KY 40422 | Phone: (859) 236-5192

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