Did you recently take on (or consider) a loan of 84 months or longer on a car purchase?
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http://www.autozone.com/autozone/parts/1996-Ford-Thunderbird/Radiator-Fan-Motor/- _/N-j4xe1Z9pd9y
Pretty expensive - maybe check a boneyard.
The general rule of thumb when premium is required is that using regular gas gives you less performance, worse gas mileage and can increase the wear and tear on the engine. The car's computer should compensate and prevent ping though.
Since gas got over $3 a gallon, the percentage difference between regular and premium has fallen in most places.
Back when regular was $1.75, paying $2 for regular made a big percentage difference. The percentage difference between $3.50 and $3.75 isn't so much.
Enjoy the new ride and don't sweat the gas price - the better mpg should just about make up for the extra cost (the extra cost could easily be less than $100 a year).
You might go to ROCK AUTO to see what one looks like