Cheapest cars to insure
Car insurance can be really expensive, especially for those who have just passed their driving test. Young drivers are usually quoted the highest but there are ways to bring the prices down and one of them is by choosing a car in the low insurance bracket group to get the best deals.
Here are the top 5 cars which can be insured in the region of £250-350:
1. Vauxhall Corsa
The Vauxhall Corsa is extremely popular amongst young drivers because it is very affordable to run.
Price from : £8,995 Insurance group : 2 Road tax : £125/year (Band E)
2. Renault Clio
The Renault Clio is a stylish car which is very fuel efficient.
Price from : £10,795 Insurance group : 7 Road tax : £140/year (Band F)
3. Ford Ka
The Ford Ka is an excellent around town car which offers you plenty of space inside.
Price from : £11,045 Insurance group : 3 Road tax : £30/year (Band C)
4. Fiat Punto
The Fiat Punto is stylish car which is very comfortable to drive.
Price from : £9,990 Insurance group : 11 Road tax : £0/year (Band A)
5. Peugeot 106
The Peugeot 106 is a fabulous car which is bound to put a smile on your face.
Price : N/A Insurance group : 7 Road tax : £140/year (Band F)
The type of car you drive plays an important part in determining how much you will be charged for car insurance. Insurers typically classify the different car make/models in groups, ranging from 1 to 50 (previously it was 1-20). The higher the car insurance group you car falls into, the higher your premiums.
Since the cars listed above fall into the lower insurance group, typically 1-12, they are the cheapest cars to insure for drivers of any age. Their parts are readily available and cheaper to buy; so if you're involved in an accident and your car is damaged, it can be repaired quicker and at a lower cost than other models. Getting a car repaired as quickly as possible saves the insurance company money that it would otherwise spend on a courtesy car and labour costs while yours is being repaired at a garage and thus they reward you by reducing your insurance premiums.
Of course these models might not be your first choice and you could already have your heart set on a different car but as a young or new driver, it is in your best interest to choose a vehicle which you can insure at a decent price than something which would make a dent in your pocket. Later on, when you've gathered at least 2 years no claims bonus (NCB), you can look into buying the one you desired or another one which is better.
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I had the same problem when I first passed my test; was quoted £2900! I managed to get the quote down to £1100 though. Check out:
It will allow you to build up your no claims bonus even as a second driver and will bring down your quote if you add any of your parents as the main driver (provided they are experienced drivers).
Going on a policy under your parents name may reduce the cost of your insurance, but if you are found out to be the main user of the car in the event of a accident the insurance will not pay out. Try looking at Admiral/Bell put yourself as the policy holder and parents as named drivers. That way you get the discount of having named drivers on your policy, and the insurers can not accuse you of misuse of the policy.