A lot of people want to get their first car, so they decide to lease a car. When you lease a car, you're not actually buying the vehicle, but instead you are leasing a specific amount of time that you can drive the vehicle. There are also times when people lease a car, and if you have an accident and need to file a claim, you're not actually responsible for the full cost of your car. However, when you lease a car and insurance package, you're usually only responsible for the difference between what you pay now and what you pay over the life of the lease contract.