When shopping for a car, most people budget for the purchase price, monthly payment, gas mileage, and maintenance, but they completely overlook the single biggest hidden ownership cost: insurance.

In this episode of CleverDime, host Pete breaks down why two vehicles with identical price tags can have wildly different insurance premiums and shares real-world case studies of buyers who learned this lesson the hard way.

In this episode, you’ll discover:

• The story of a client whose "great deal" on a used Kia backfired when insurance premiums skyrocketed.

• How a dream car had to be returned to the dealership due to insurance sticker shock.

• The behind-the-scenes factors insurance underwriters look at (theft rates, horsepower, repair costs, and salvage titles).

• The 5-minute VIN habit you must build BEFORE signi ...