Street-wise, money-smart “car guys” advise you to select a car with as much attention to the cost of insurance as to the purchase price. Although many dealers currently are offering seductively sweet deals on some sweet rides, your insurance agent may have some brutally bitter news when you call for proof of insurance—especially if you lease or finance your “little cream puff.” The cuter it is, the more it will cost. After you kick the tires and take a test drive, find out how much you really will pay for the privilege of driving your new car.

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