what car gives the cheapest insurance for a first time driver??

Answer 1

An older vehicle that isn't financed, that way you can have liability only. Any vehicle that needs full coverage will be very expensive to insure for a first time driver. Honda Civic, Ford Taurus, Toyota Corolla, Nissan Altima all carry fairly low rates.

Answer 2

Its not really about individual cars. Its about what cars fit into 'Insurance groups'. Insurance companies group cars into catagories dependant on their New Value, their Resale value, the price of the parts that are most commonly needed in the event of an accident (Body Panels, trim, Radiator etc) and the capability of their speed and most recently how desirable they are to the 'Gone In 60 Seconds' market, ie the opportunist car thief.

A while ago now Suzuki Vitaras shot through the roof because of their knicked statistics. Currently that accolade belongs to the BMW M3.

Basically the higher the rating of the above statistics the higher the group insurance and therefore the higher the cost to insure the vehicle. Any car of 1000cc or less and basic in trim, like an L or an A class car - Fiesta, Saxo, Cinquechento, Nova, that sort of thing would all be a potential group 1 insurance and therefore cheapest to insure.

There are however other things you can do to get your insurance down and own a more substantial and faster car. The main ones are - Have your car converted to Bi-fuel ie petrol or diesel AND LPG (Liquid Propane Gas). many modern engines can be converted quite easily to accept this ever more prevelent fuel alternative.

Make sure the car can be garaged or parked off road at night or when not in use.

Fit a 'Thatcham' approved alarm and/or immobiliser to the car. You will be presented with a certificate if this is done which you then submit to your insurance company. Many insurance firms will now flatly refuse to insure your car unless a Thatcham appoved anti theft device IS fitted. Any good spares or car audio shop will either be able to do it or point you in the direction of someone who can.

Don't use the car to commute to work. As far as insurance companies are concerned a high proportion of accidents happen in this activity so a percentage is added to compensate for that which is why you are asked on a proposal form if you are going to commute with it.

Ask for a 'Limited Mileage' policy. It does mean you'll have to think a bit before taking your car out but the longer you hold insurance without a claim, the cheaper it'll become because you'll be accumulating 'No Claims Bonus'. No Claims Bonus is the heaviest discount you'll get from a company. Its their biggest incentive to ensure that they have thje safest drivers on their books. The big companies you see advertising on the tele will only insure 'Full 60%' no claims bonus holders'. They might say they insure all sorts but they'll give you such a ridiculous quote they know you'll go elsewhere looking for a better one and if you do take it up they know they are well covered!

Finally get yourself into a drivers education program. Many newly passed drivers think that now they've had all their lessons and passed the test, they can drive. WRONG! All you've succeeded in doing is passing a prescribed set of criteria as laid down by the Ministry of Transport which then says you are legally entitled to take a motor vehicle out on the public highway. Once you can do that THEN you start LEARNING to drive.

So apply for an advanced driving course. Many insurance companies recognise the advanced driving certificate and will offer a discount to holders of it.

Hope that helps

Kindest regards and good luck on your embarking life as a driver.

Answer 3

The best thing to do is try out a few insurance quotes on the internet, and these are the resons why. Insurance companies base they're costs on certain factors. The main ones being your age, how long you have been driving, how many, (if any) accidents you have had and also how many similar cars are broken into, where you live. Because of these factors you'll find that the quotes you get vary quite a lot from company to company. However, one thing is for sure, the smaller the engine the cheaper the insurance. Something like 1.0litre, or 1.1litre, a vauxhall Corsa, Fiat Punto, Ford Fiesta, something small like that. Also, buy one with an alarm and immobiliser on and you may get a cheaper quote aswell !!!!

Answer 4

Nissan Micras, Rover 100s or Vauxhall Novas, slightly older. Also these tend to be driven by grannies so aren't burned up when you buy second hand. Getting something a bit older really lowers your premium. Get 3rd party, fire & theft- the cheapest. Don't go on your dad's ... unless you can build up your own no claims bonus, otherwise you're only saving up this problem for a few years' time!

Steer clear of any 'trendy' cars like 106s, Polos etc'. Remember the size of engine, type of driver and likelihood of being in an accident drive up the cost.

Answer 5

You need to look at the cars insurance group.The lower the cheaper.Class/group 1 or 2.Ask for a quote on Third party,fire and theft.That does mean that you pay for the damage you do for your own car if you have a bump but you dont pay out if it gets nicked or gets torched..It helps build your no claims bonus up so that,hopefully,your insurance gets cheaper as you get older and more experianced.
Bear in mind that small cars can be fun to drive if you are worried about that part.As a general rule they are lighter and handle better.They may lack the outright speed of bigger cars but does that really matter.Small cars i have known and loved : Mini,Polo 1.0l [i had a mk2 Fox coupe and still miss it],Pug 106.A mate swears by his Saxo.
Good luck.

Answer 6

Compare quotes for free at http://help.howmuchiscarinsurance.us/-mfqjtZQ671

RE What car gives the cheapest insurance for a first time driver??

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Answer 7

Insruance compaiens will cahrge you more if it si newer and youahve to put full coverage on the policy. Also year doesn't have to play a huge factor in it. If you have a 2006 Chevy Cavialr and a 1995 Ford Expedition you will pay more for the expedition jsut cause it can cause more damamge then the cavialr can. The best I've seen is a VW or a Malibu..those tend to run pretty cheap.

Answer 8

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Answer 9

I might suggest you to try this site where you can compare quotes from the best companies: http://INSURECOMPAREQUOTES.US/index.html?src=1YAgTALEPtvn

RE :What car gives the cheapest insurance for a first time driver??
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Answer 10

Go here
http://www.parkers.co.uk/insurance/
that lists cars by insurance group, obviously the group 1 cars will be cheapest!