- Huntsville car insurance cost averages $1,712 per year, or approximately $143 per month, for a full-coverage policy.
- For cheap car insurance in Huntsville, compact SUV models like the Volkswagen Tiguan, Buick Encore, Hyundai Venue, and Chevrolet Trailblazer have better auto insurance rates.
- Auto insurance quotes in Huntsville can vary significantly from as little as $37 per month for minimum liability limits to well over $696 per month for accident or violation prone drivers.
How much is car insurance in Huntsville, AL?
Average car insurance cost in Huntsville is $1,712 per year, which is about $143 per month. Huntsville car insurance costs 9.5% less than the U.S. overall average rate of $1,883.
The average cost of car insurance in Alabama is $1,736 per year, so Huntsville, Alabama, drivers pay an average of $24 less per year than the overall Alabama state-wide average rate. The cost of car insurance in Huntsville compared to other Alabama locations is $46 per year cheaper than in Tuscaloosa, $210 per year cheaper than in Birmingham, and $54 per year cheaper than in Montgomery.
Driver age significantly impacts the price of auto insurance. The list below illustrates this by showing average car insurance rates in Huntsville for drivers from 16 to 60.
Average car insurance cost for Huntsville drivers age 16 to 60
- 16 year old – $6,095 per year or $508 per month
- 17 year old – $5,907 per year or $492 per month
- 18 year old – $5,293 per year or $441 per month
- 19 year old – $4,820 per year or $402 per month
- 20 year old – $3,442 per year or $287 per month
- 30 year old – $1,826 per year or $152 per month
- 40 year old – $1,712 per year or $143 per month
- 50 year old – $1,518 per year or $127 per month
- 60 year old – $1,420 per year or $118 per month
The chart below shows a summary of auto insurance rates in Huntsville for 2024 model year vehicles, averaged based on a range of driver ages, policy deductibles, and potential risk scenarios.
The average cost of car insurance per month in Huntsville is $143, with policy prices ranging from $119 to $328 for the data shown in the chart above.
Huntsville car insurance rates can cost very different amounts for different drivers and small changes in a driver’s risk profile can cause significant changes in car insurance premiums. The high chance of significant rate differences increases the need to get multiple auto insurance quotes when trying to find a cheaper policy.
Popular vehicle models in Huntsville tend to be small or midsize cars like the Volkswagen Jetta and Honda Accord and small or midsize SUVs like the Honda CR-V and Jeep Grand Cherokee.
Some additional popular models in Huntsville from other segments include luxury SUVs like the Acura MDX, Cadillac XT5, and Lexus RX 350, luxury cars like the Infiniti Q50, BMW 530i, and Acura ILX, and pickup trucks like the Ram 1500, Chevy Silverado, and Ford F-150.
We cover auto insurance rates for many more models in the upcoming sections, but before that, let’s quickly revisit some of the key concepts that were presented up to this point.
- Huntsville car insurance costs less than the U.S. average – $1,712 (Huntsville average) versus $1,883 (U.S. average)
- Auto insurance rates drop a lot from age 20 to 30 – The average 30-year-old Huntsville, Alabama, driver will pay $1,616 less each year than a 20-year-old driver, $1,826 versus $3,442.
- A low deductible policy costs more – A 20-year-old driver pays an average of $918 more per year for $250 deductibles compared to $1,000 deductibles.
- Car insurance costs less the older you are – Insurance rates for a 60-year-old driver in Huntsville are $2,022 per year cheaper than for a 20-year-old driver.
- Car insurance for teenagers costs a lot – Average cost ranges from $4,075 to $6,095 per year to insure a teenager in Huntsville.
In Huntsville, which vehicles are cheapest to insure?
When all vehicles are compared, the models with the most affordable car insurance prices in Huntsville tend to be compact SUVs and crossovers like the Subaru Crosstrek, Kia Soul, and Hyundai Venue. Average auto insurance quotes for those small SUVs cost $1,388 or less per year, or $116 per month, for full coverage.
Some additional vehicles that have very good car insurance rates in the comparison table below are the Chevrolet Colorado, Nissan Murano, Buick Encore, and Buick Envista. The average rates are a few dollars per month higher for those models than the cheapest crossovers and compact SUVs at the top of the list, but they still have an average insurance cost of $1,468 or less per year, or around $122 per month in Huntsville.
The following table details the 20 models with the cheapest car insurance in Huntsville, ordered by annual cost.
Rank | Make/Model | Annual Premium | Cost Per Month |
---|---|---|---|
1 | Subaru Crosstrek | $1,264 | $105 |
2 | Chevrolet Trailblazer | $1,286 | $107 |
3 | Kia Soul | $1,336 | $111 |
4 | Nissan Kicks | $1,348 | $112 |
5 | Honda Passport | $1,364 | $114 |
6 | Buick Envision | $1,372 | $114 |
7 | Toyota Corolla Cross | $1,380 | $115 |
8 | Hyundai Venue | $1,388 | $116 |
9 | Mazda CX-5 | $1,398 | $117 |
10 | Ford Bronco Sport | $1,402 | $117 |
11 | Volkswagen Tiguan | $1,418 | $118 |
12 | Acura RDX | $1,432 | $119 |
13 | Nissan Murano | $1,438 | $120 |
14 | Buick Encore | $1,454 | $121 |
15 | Subaru Outback | $1,458 | $122 |
16 | Honda CR-V | $1,460 | $122 |
17 | Buick Envista | $1,462 | $122 |
18 | Chevrolet Colorado | $1,462 | $122 |
19 | Volkswagen Taos | $1,466 | $122 |
20 | Kia Niro | $1,468 | $122 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Huntsville, AL Zip Codes. Updated February 23, 2024
The above table containing 20 vehicle models with cheap Huntsville car insurance is great if you just want the lowest rates. Considering the fact that we have over 700 models in our database, a lot of vehicles get left off the list.
Let’s rethink this, dig deeper, and display the models with the cheapest rates in a format that makes more sense, by vehicle segment. The six sections below break out the models with the cheapest insurance rates for each of the primary automotive segments.
Cheapest car insurance rates in Huntsville, Alabama
The four most affordable 2-door and 4-door sedans and hatchbacks to insure in Huntsville are the Toyota GR Corolla at $1,488 per year, Nissan Leaf at $1,498 per year, Honda Civic at $1,516 per year, and Nissan Sentra at $1,566 per year.
Some other cars that have cheaper rates include the Toyota Prius, Kia K5, Honda Accord, and Hyundai Ioniq 6, with an average cost of $1,660 per year or less.
From a cost per month standpoint, full-coverage auto insurance in Huntsville on this segment for the average driver can cost as low as $124 per month, depending on your location. The rate comparison table below ranks the cars with the most affordable average car insurance rates in Huntsville, starting with the Toyota GR Corolla at $124 per month and ending with the Mazda 3 at $148 per month.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Toyota GR Corolla | Compact | $1,488 | $124 |
Nissan Leaf | Compact | $1,498 | $125 |
Honda Civic | Compact | $1,516 | $126 |
Nissan Sentra | Compact | $1,566 | $131 |
Subaru Impreza | Compact | $1,572 | $131 |
Hyundai Ioniq 6 | Midsize | $1,574 | $131 |
Toyota Prius | Compact | $1,600 | $133 |
Kia K5 | Midsize | $1,648 | $137 |
Honda Accord | Midsize | $1,656 | $138 |
Chevrolet Malibu | Midsize | $1,660 | $138 |
Toyota Corolla | Compact | $1,668 | $139 |
Kia Forte | Compact | $1,670 | $139 |
Volkswagen Arteon | Midsize | $1,682 | $140 |
Nissan Versa | Compact | $1,686 | $141 |
Subaru Legacy | Midsize | $1,688 | $141 |
Mitsubishi Mirage G4 | Compact | $1,726 | $144 |
Volkswagen Jetta | Compact | $1,730 | $144 |
Hyundai Sonata | Midsize | $1,732 | $144 |
Toyota Crown | Midsize | $1,732 | $144 |
Mazda 3 | Compact | $1,770 | $148 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Huntsville, AL Zip Codes. Updated February 23, 2024
See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.
Don’t see rates for your vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Huntsville car insurance quotes from the best companies in Alabama.
Cheapest SUV insurance rates in Huntsville, AL
Ranking at the top for the most affordable Huntsville car insurance rates in the non-luxury SUV segment are the Kia Soul, Nissan Kicks, Subaru Crosstrek, Chevrolet Trailblazer, and Honda Passport. Auto insurance rates for these models average $114 or less per month.
Additional models that are affordable to insure include the Ford Bronco Sport, Buick Envision, Hyundai Venue, and Toyota Corolla Cross, with average rates of $1,402 per year or less.
From a monthly standpoint, auto insurance in Huntsville on this segment for a safe driver starts at around $105 per month, depending on where you live.
When prices are compared by vehicle size, the most affordable compact SUV to insure in Huntsville is the Subaru Crosstrek at $1,264 per year. For midsize models, the Honda Passport has the best rates at $1,364 per year. And for large SUVs, the Chevrolet Tahoe has the best rates at $1,606 per year.
The next table ranks the twenty SUVs with the most affordable average insurance rates in Huntsville, starting with the Subaru Crosstrek at $1,264 per year ($105 per month) and ending with the Honda HR-V at $1,490 per year ($124 per month).
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Subaru Crosstrek | Compact | $1,264 | $105 |
Chevrolet Trailblazer | Compact | $1,286 | $107 |
Kia Soul | Compact | $1,336 | $111 |
Nissan Kicks | Compact | $1,348 | $112 |
Honda Passport | Midsize | $1,364 | $114 |
Buick Envision | Compact | $1,372 | $114 |
Toyota Corolla Cross | Compact | $1,380 | $115 |
Hyundai Venue | Compact | $1,388 | $116 |
Mazda CX-5 | Compact | $1,398 | $117 |
Ford Bronco Sport | Compact | $1,402 | $117 |
Volkswagen Tiguan | Compact | $1,418 | $118 |
Nissan Murano | Midsize | $1,438 | $120 |
Buick Encore | Compact | $1,454 | $121 |
Subaru Outback | Midsize | $1,458 | $122 |
Honda CR-V | Compact | $1,460 | $122 |
Buick Envista | Midsize | $1,462 | $122 |
Volkswagen Taos | Compact | $1,466 | $122 |
Kia Niro | Compact | $1,468 | $122 |
Honda HR-V | Compact | $1,490 | $124 |
Subaru Ascent | Midsize | $1,490 | $124 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Huntsville, AL Zip Codes. Updated February 23, 2024
For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.
Don’t see your SUV in the table above? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Alabama.
Cheapest luxury car insurance rates
Taking the top spot in Huntsville for the lowest-cost average insurance in the luxury car segment is the Acura Integra, costing $1,522 per year. Second place is the BMW 330i costing $1,744 per year, and third place goes to the Mercedes-Benz CLA250, at an average of $1,760 per year.
Some other luxury cars that have affordable average insurance rates are the Lexus ES 350, Genesis G70, Lexus RC 300, and Cadillac CT4, with average insurance cost of $1,798 per year or less.
In the lower half of the top 20 luxury cars to insure, models like the Jaguar XF, BMW 228i, Lexus ES 250, BMW 230i, and Cadillac CT5 cost between $1,798 and $1,918 to insure per year.
On a monthly basis, car insurance on this segment in Huntsville for a safe driver will start around $127 per month, depending on your company and location.
The comparison table below ranks the twenty luxury cars with the lowest-cost average car insurance rates in Huntsville, starting with the Acura Integra at $1,522 per year and ending with the Audi S3 at $1,918 per year.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura Integra | Compact | $1,522 | $127 |
BMW 330i | Compact | $1,744 | $145 |
Mercedes-Benz CLA250 | Midsize | $1,760 | $147 |
Lexus IS 300 | Midsize | $1,766 | $147 |
Acura TLX | Compact | $1,772 | $148 |
Cadillac CT4 | Compact | $1,788 | $149 |
Lexus ES 350 | Midsize | $1,788 | $149 |
Genesis G70 | Compact | $1,792 | $149 |
Mercedes-Benz AMG CLA35 | Midsize | $1,796 | $150 |
Lexus RC 300 | Midsize | $1,798 | $150 |
Lexus IS 350 | Compact | $1,802 | $150 |
Jaguar XF | Midsize | $1,812 | $151 |
Cadillac CT5 | Midsize | $1,844 | $154 |
Lexus ES 250 | Midsize | $1,852 | $154 |
BMW 330e | Compact | $1,856 | $155 |
Lexus RC 350 | Compact | $1,858 | $155 |
BMW 228i | Compact | $1,860 | $155 |
BMW 230i | Compact | $1,874 | $156 |
Lexus ES 300h | Midsize | $1,878 | $157 |
Audi S3 | Compact | $1,918 | $160 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Huntsville, AL Zip Codes. Updated February 23, 2024
See our guide for luxury car insurance to view any vehicles not shown in the table.
Don’t see rates for your luxury car? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Huntsville car insurance quotes from top companies in Alabama.
Cheapest luxury SUV insurance rates
When comparing 2024 models, the top five cheapest SUVs to insure in Huntsville are the Acura RDX, Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. Auto insurance rates for these five SUVs range from $1,432 to $1,614 per year.
Other models that have cheaper rates are the Mercedes-Benz GLB 250, Lincoln Corsair, Lexus NX 450h, and Lexus UX 250h, with average annual insurance rates of $1,650 per year or less.
Ranked in the lower half of the top 20, models like the Acura MDX, Lexus RX 350, Infiniti QX50, Infiniti QX60, and Mercedes-Benz GLA250 average between $1,650 and $1,716 to insure per year in Huntsville.
Auto insurance in this segment for a middle-age safe driver starts at around $119 per month, depending on the company and your location.
If rates are ranked by vehicle size, the cheapest compact luxury SUV to insure in Huntsville is the Acura RDX at $1,432 per year, or $119 per month. For midsize 2024 models, the Jaguar E-Pace has the cheapest rates at $1,600 per year, or $133 per month. And for large luxury SUVs, the Infiniti QX80 has the cheapest rates at $1,918 per year, or $160 per month.
The next table ranks the SUVs with the most affordable insurance rates in Huntsville, starting with the Acura RDX at $1,432 per year ($119 per month) and ending with the Lexus NX 350 at $1,716 per year ($143 per month).
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura RDX | Compact | $1,432 | $119 |
Lexus NX 250 | Compact | $1,516 | $126 |
Cadillac XT4 | Compact | $1,544 | $129 |
Jaguar E-Pace | Midsize | $1,600 | $133 |
Cadillac XT5 | Midsize | $1,614 | $135 |
Lexus NX 350h | Compact | $1,614 | $135 |
Lincoln Corsair | Compact | $1,636 | $136 |
Lexus UX 250h | Compact | $1,640 | $137 |
Mercedes-Benz GLB 250 | Compact | $1,640 | $137 |
Lexus NX 450h | Compact | $1,650 | $138 |
Infiniti QX50 | Midsize | $1,664 | $139 |
Mercedes-Benz GLA250 | Compact | $1,664 | $139 |
Cadillac XT6 | Midsize | $1,674 | $140 |
Mercedes-Benz GLA35 AMG | Compact | $1,674 | $140 |
Infiniti QX60 | Midsize | $1,684 | $140 |
Mercedes-Benz AMG GLB35 | Midsize | $1,686 | $141 |
Land Rover Evoque | Compact | $1,708 | $142 |
Acura MDX | Midsize | $1,712 | $143 |
Lexus RX 350 | Midsize | $1,712 | $143 |
Lexus NX 350 | Compact | $1,716 | $143 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Huntsville, AL Zip Codes. Updated February 23, 2024
See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.
Need rates for a different luxury SUV? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Huntsville car insurance quotes from top companies in Alabama.
Cheapest pickups to insure
Taking the top ranking in Huntsville for cheapest auto insurance in the pickup segment is the Chevrolet Colorado, with a cost of $1,462 per year. Second place is the Nissan Titan costing $1,602 per year, the third most affordable is the Nissan Frontier, at an average of $1,618 per year, and coming in fourth is the Ford Ranger, costing an average of $1,636 per year.
Additional models that rank well in our comparison are the Honda Ridgeline, Toyota Tacoma, GMC Sierra 2500 HD, and GMC Canyon, with an average cost of $1,760 per year or less.
On a monthly basis, full-coverage car insurance in this segment for an average middle-age driver starts at an average of $122 per month, depending on your location. The next table ranks the pickups with the most affordable car insurance in Huntsville, starting with the Chevrolet Colorado at $1,462 per year and ending with the Ram Truck at $1,980 per year.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Chevrolet Colorado | Midsize | $1,462 | $122 |
Nissan Titan | Full-size | $1,602 | $134 |
Nissan Frontier | Midsize | $1,618 | $135 |
Ford Ranger | Midsize | $1,636 | $136 |
Ford Maverick | Midsize | $1,662 | $139 |
Honda Ridgeline | Midsize | $1,696 | $141 |
Hyundai Santa Cruz | Midsize | $1,726 | $144 |
Toyota Tacoma | Midsize | $1,732 | $144 |
GMC Sierra 2500 HD | Heavy Duty | $1,742 | $145 |
GMC Canyon | Midsize | $1,760 | $147 |
Jeep Gladiator | Midsize | $1,802 | $150 |
GMC Sierra 3500 | Heavy Duty | $1,814 | $151 |
Chevrolet Silverado HD 3500 | Heavy Duty | $1,830 | $153 |
Chevrolet Silverado HD 2500 | Heavy Duty | $1,880 | $157 |
GMC Sierra | Full-size | $1,888 | $157 |
Chevrolet Silverado | Full-size | $1,892 | $158 |
Nissan Titan XD | Heavy Duty | $1,892 | $158 |
Ford F150 | Full-size | $1,916 | $160 |
GMC Hummer EV Pickup | Full-size | $1,960 | $163 |
Ram Truck | Full-size | $1,980 | $165 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Huntsville, AL Zip Codes. Updated February 23, 2024
See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.
Looking for insurance rates for a different truck? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Huntsville car insurance quotes from top companies in Alabama.
Cheapest sports cars to insure in Huntsville
The four cheapest sports cars to insure in Huntsville are the Mazda MX-5 Miata at $1,584 per year, Toyota GR86 at $1,804 per year, Ford Mustang at $1,882 per year, and BMW Z4 at $1,888 per year.
Also ranking in the top 10 are models like the Lexus RC F, BMW M2, Nissan Z, and Toyota GR Supra, with average insurance cost of $2,044 per year or less.
Additional cars that made the list include the Jaguar F-Type, Mercedes-Benz AMG GT53, Porsche Taycan, Porsche 911, and Chevrolet Camaro, which cost between $2,044 and $2,898 per year for insurance in Huntsville.
From a monthly standpoint, car insurance rates in Huntsville on this segment will start around $132 per month, depending on your location and insurance company. The table below ranks the twenty sports cars with the lowest-cost insurance in Huntsville, starting with the Mazda MX-5 Miata at $132 per month and ending with the Porsche Taycan at $242 per month.
Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
---|---|---|---|
Mazda MX-5 Miata | Sports Car | $1,584 | $132 |
Toyota GR86 | Sports Car | $1,804 | $150 |
Ford Mustang | Sports Car | $1,882 | $157 |
BMW Z4 | Sports Car | $1,888 | $157 |
Subaru WRX | Sports Car | $1,918 | $160 |
Toyota GR Supra | Sports Car | $1,922 | $160 |
BMW M2 | Sports Car | $1,978 | $165 |
Nissan Z | Sports Car | $1,982 | $165 |
Lexus RC F | Sports Car | $2,022 | $169 |
Subaru BRZ | Sports Car | $2,044 | $170 |
BMW M3 | Sports Car | $2,160 | $180 |
Porsche 718 | Sports Car | $2,204 | $184 |
Chevrolet Camaro | Sports Car | $2,222 | $185 |
Chevrolet Corvette | Sports Car | $2,370 | $198 |
Porsche 911 | Sports Car | $2,454 | $205 |
BMW M4 | Sports Car | $2,552 | $213 |
Lexus LC 500 | Sports Car | $2,568 | $214 |
Jaguar F-Type | Sports Car | $2,702 | $225 |
Mercedes-Benz AMG GT53 | Sports Car | $2,834 | $236 |
Porsche Taycan | Sports Car | $2,898 | $242 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Huntsville, AL Zip Codes. Updated February 23, 2024
Looking for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Huntsville.
How to find cheaper car insurance
Drivers should always be thinking of ways to reduce their monthly insurance expenses. So take a minute or two to look through the money-saving tips below and maybe you’ll be able to save some money.
- Good credit scores mean better rates. Drivers who maintain a credit score over 800 could save $269 per year versus a good rating of 670-739. Conversely, a mediocre credit score could cost up to $312 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Keep your claim-free discount. Most insurers offer discounts for not having any claims. Auto insurance should be used in the case of large financial hits, not small claims that can be paid out-of-pocket.
- Reduce coverage on older cars. Deleting physical damage coverage from vehicles whose value has dropped to the point where coverage is not cost effective will cut the cost of car insurance considerably.
- Earn policy discounts to save money. Discounted rates may be available if the insured drivers insure their home and car with the same company, take a defensive driving course, are good students, work in certain occupations, drive low annual mileage, or many other policy discounts which could save the average Huntsville driver as much as $288 per year.
- Compare the cost of insurance before buying a car. Different cars, trucks, and SUVs have very different costs for insurance, and insurance companies can sell coverages with widely varying rates. Get plenty of comparison quotes before you buy a different car so you can avoid any surprises when buying coverage for your new car.