Car insurance is always separate and in addition to your car payment whether it’s a lease or you’ve taken out a loan. Dealers don’t typically sell car insurance so you would have to go obtain that yourself. One other thing to keep in mind – when you lease a car you must carry at or above a certain level of liability depending on what your state minimums are. In NY minimums are 25/50/10. For a lease in NY you must carry atleast 100/300/50. Make sure you can afford the insurance before you buy the car! Happy driving…

You are asking some very basic questions that someone should know before you even think about leasing. My advice to you is DO NOT LEASE. Leasing is a very complicated process which uses different terminology then buying. Right now you are focused on the payments, have you looked over the rest of the document? The down payment, taxes, finance charge, etc. should also be spelled out in this document along with residual value, miles allowed, overage fee, etc. Unless you start focusing the entire leasing process instead of just the payment, you are going to be very upset at the end of the contract.

Read this website on leasing: http://www.edmunds.com/caradvice.html