Whenever you’re looking to purchase a new car, it is vital that you check the likely cost of insurance before you make your purchase. With so many comparison sites available, getting a quote ahead of buying any car is easy and it will help to make sure that there are no nasty surprises further down the line. As a general overview, here are ten of the cheapest cars to insure today.
1. Smart Car
You can usually be certain that cars with the smaller engines are among the cheapest to insure although this isn’t always the case. It’s therefore no surprise to see the Smart Car heading the list of vehicles in this respect. Smart Cars have better records when it comes to safer drivers and parts are cheaper too, meaning that this can be an ideal car from an insurance point of view.
2. Ford Fiesta
When insurance companies compile their claims statistics, longevity plays a major part in the decision making process and the longer a car has been in production, the more figures are available. The Ford Fiesta has been a prime example of this since it first appeared on Britain’s roads back in the mid-1970s. Claims are fewer and less expensive to settle and the Fiesta has a lower group rating as a result.
As for the motorist, the good news is that it is easy to pick up a Ford Fiesta at a very competitive price.
3. Fiat Punto
The basic 1.1 litre Fiat Punto models are among the cheapest cars to insure right across the world and this is one reason why sales of this vehicle have been so steady. As with all cars, the exact insurance grouping will depend on which company you use but generally speaking, the 1.1 litre Fiat Punto falls into insurance group 3.
4. Renault Clio
There are many different versions of the Renault Clio to consider when making any purchase and some of the higher engine models can be rated as high as group seven for insurance purposes. However, if you opt for the base versions, you can once again find them in the group 3 bracket with the majority of insurers and if you are in any doubt, you can always obtain a quote before parting with your money.
5. Vauxhall Astra
Up to now, all the cars on the list have smaller engines, around the 1.0 or 1.1 litre mark. To get cheaper car insurance, however, doesn’t necessarily mean that you have to opt for a less powerful car and the Astra illustrates this point perfectly. Whilst there are higher rated models available, the basic 1.2 versions of the Astra are often classed by insurers as group 4 for insurance purposes.
6. VW Polo
This is another car that has longevity on its side and the very first VW Polo made its way off the production line way back in 1975. In the years since, it has consistently proved that claims are fewer and cheaper to deal with and that’s why the basic Polo models can be found in insurance group 3 with the majority of providers.
7. Seat Ibiza
The Ibiza is the most popular car in this manufacturer’s range, largely because the fuel economy is so good and running costs are lower as a result. Insurance grouping is low too and this is just one more reason why sales of the Ibiza have been so good.
8. Vauxhall Corsa
Like the Vauxhall Astra, the Corsa is cheap to insure and having been in production for such a long time, there is an abundance of second hand vehicles available. Once again, it’s important to look for the base model but having done that, you can expect a low insurance premium as a result.
9. Peugeot 106
Many experts claim that the basic Peugeot 106 is the cheapest car of any to insure and whilst those figures may differ from company to company, most quotes will back that claim up. With lower claim costs and cheaper parts, the 106 is definitely worth seeking out if you want to keep insurance costs to a minimum.
10. Audi A3
Overall, most of the cars on this list are in the ‘supermini’ category but if you need something larger, the Audi A3 is cheaper to insure if you’re looking to step up. A 1.6 litre engine gives you more power but insurance costs are lower in comparison to similar sized cars.
Visit www.carinsurance.org.uk and get a quote today on any of the cars featured here.
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