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How can I determine how much my car insurance will cost me?
The best way to determine how much it will cost you is to call the insurance companies to get a quote from them for all the vehicles that you are planning on purchasing.  They will have a set amount depending on the year/make/model of the car combined with all your personal details like where you live, age, sex, occupation.  There are many online sites where you an get quotes as well, though talking with a rep may be the better option since you have a lot of questions.  If you are still living with your parents, you may be able to get a cheaper rate with that company as you might qualify for a multi-vehicle discount or combined property/vehicle insurance with them.  You might also be able to get a better rate since you were probably insured as a secondary driver with that company for several years. The cost of your auto insurance will depend also on what type of premium you choose.  For instance, it will be cheaper if you opt to only purchase 3rd party liability insurance (which only covers the cost of repairing the 3rd party's vehicle - ie the person you hit).  You may also get discounts for having certain (optional) safety equipment/options - like snow tires.   You will need to have your insurance purchased and sorted out before you are able to drive your car out of the dealership.   For a male with ~10 years driving experience and a clean record.  You could probably find something good for about $120 a month.  Of course, this depends on the many factors listed above.