Two cars with similar sticker prices can cost very different amounts to insure. Repair costs, safety ratings, theft rates and the likelihood of claims for a given model all play a role in what insurers charge.

Many buyers don't think about insurance until they're signing paperwork, and by then the decision is made. A sporty trim, a luxury badge or a model that's popular with thieves could add a noticeable amount to your monthly costs for as long as you own the car.

Once you've narrowed your list to a few vehicles, request quotes for each from several insurers using the same coverage levels and deductibles. Have the vehicle identification number handy if you're considering a specific car, since it can make the quote more accurate. If you're financing, check what coverage your lender requires, as that may affect the price too. Factoring insurance into your decision can help you avoid an unwelcome surprise after you drive off the lot.