Looking for the cheapest car to insure? Then you’re in the right place. If you’re thinking of buying a vehicle in the coming weeks or months, one of your biggest considerations will be the price of car insurance and in particular finding your the cheapest car to insure.
The very first thing to ask about any car a new driver is planning on choosing isn’t simply how much does it cost to buy but more importantly how much would it cost to insure. A first car is often a lot less pricey to purchase than to cover for a year. That’s why so many people are looking for the cheapest car to insure.
There are surprisingly a great many ways to reduce the cost of your insurance which we will cover in this article and on this website but lets first of all start with the most obvious: Probably the simplest and most substantial way it is possible to reduce the cost of your auto insurance would be to make sure that your automobile is the cheapest car to insure.
This may seem like an obvious statement to make but looking for the cheapest car to insure is the aim of the game here. In the current climate with insurance company premiums continually being squeezed up higher and higher meaning that even the more experienced motorists are feeling the pinch the problem is compounded even further for new drivers, young drivers and those of us who have only just passed our tests. It’s seems like even though we search hard for the cheapest car to insure that the big insurance companies just don’t want us to drive.
What Is The Cheapest car To Insure
The biggest problem faced by young 17 or 18 year old drivers when looking for the cheapest car to insure is the lack of a no claims bonus. It’s a bit like a catch 22 situation but if your prepared to do a little research through the information we’ve put together we can help you find the cheapest car to insure for you.
To get low insurance and the cheapest car to insure you need to get a car with a low insurance category. All vehicles are placed into a rating category of insurance defined by the association of British Insurers that goes from 1 to 50. The lower the number the cheaper the insurance. So the cheapest car to insure will be insurance category 1.
The types of car in the lower categories and not only vehicles that are cheap but more importantly cars with a much lower power output. There are also consideration as how inexpensive and how readily available spare part are for a car. For example if a car can be repaired quickly then an insurer will not have to be providing you with a courtesy car for as long and your insurance will be cheaper.
So the sad truth about the cheapest car to insure is that unless you plan on robbing a bank or winning the lottery sometime soon then it’s time to let your head rule your heart and let the sensible thoughts kick in to your immediate motoring future. Especially when you consider the other costs of road tax, MOT and the basic running costs of petrol the bottom line is that if you want to be mobile then you’ve got to be smart about really finding the cheapest car to insure.
So first of all we should look at the types of car that fall into the lower insurance brackets and as such may well make them the cheapest car to insure for you. This is where you should sart your search when looking for the cheapest car to insure.
Cheapest Car To Insure: The List
Chevrolet Matiz
Citroen C1 & C2
Fiat Panda
Fiat Punto
Ford Fiesta
Ford Ka
Peugeot 106
Peugeot 107
Peugeot 206 (certain models)
Renault Clio
Skoda Fabia
Toyota Aygo
Toyota Yaris
Vauxhall Corsa
Volkswagen Fox
Volkswagen Polo
When you’re looking at these models in terms of the cheapest car to insure it should be noted that you should not be looking at a new car. You need to be looking for something at least 3 to 4 years old and as we have already mentioned don’t stump up the extra cash for more power or more fancy features, it’ll only make your premium increase too!
Other ways to get the cheapest car to insure
Of course there are other things that you can do to make sure that your car is the cheapest car to insure for you.
a) Take the Pass Plus certificate. This will dramatically reduce your insurance premiums especially for younger and new drivers.
b) Add an older and more experience driver to the policy as this can often bring down the price of your insurance. Just be careful here that you are doing everything within the law, the policy should always be in the name of the primary driver first. This is an area that some can get caught up in when looking for the cheapest car to insure.
c) Improve the security of you car. Simple things like storing the car in a secure location like a gated car park or garage and making sure that your insurance company know about is can often help to reduce the price of your car insurance.
d) If you can afford to then make the full annual payment at one time as you’ll often get a decent discount 10-15% compared to the monthly insurance premium price.
e) Increase your voluntary excess. But if you do this then make sure that you drive carefully so you don’t get hit with the big excess bill because of some foolish mistake.
Finally one of the simplest ways to ensure you have the cheapest car to insure is to get yourself a no claims accelerator bonus, the policy runs for 10 months instead of 12 months so you’ll get to your first years no claims bonus a lot quicker.
Ultimately be prepared to put in the effort to do the research and don’t give up. There will be a great deal out there for the people prepared to put in the time and effort. Check out the links on this page. We hope that this information on the cheapest car to insure will help you in your mission to find yourself the perfect car that’s also the cheapest car to insure.