When trying to get the cheapest insurance rates possible, what you drive plays a very important factor. For young drivers, the choice is even more important to help lower outrageous insurance rates. Fortunately, to help you make an informed decision, here are 7 tips on how to find the cheapest car to insure for new drivers:
1. Check consumer reviews.
If you want to learn more about the cheapest cars to insure for young drivers, browsing online reviews is an excellent place to start. With so many lists available to review, you are sure to find a car that will work for you. However, just keep in mind that a lot of lists use generic avatars to get an average quote, so you should be prepared to spend more for young drivers.
2. Check with different insurance companies.
Another great place to learn what cars are the cheapest to insure is through insurance companies. In fact, your car may be favoured more with some companies than others, so shopping around will help uncover the best rates. The decreased rates may be due to the company's particular experience with your car model among its customers. If they have a good history with the vehicle type, you may benefit from lower rates.
3. Check safety ratings.
Choosing a car with great safety ratings will help you experience lower insurance rates. After all, if your vehicle is designed to protect people and property alike, insurance companies will likely not have to pay out as much if something should happen. Having a safe vehicle for a young driver is especially important due to the fact that young drivers are statistically more likely to become involved in accidents.
To find out the latest about vehicle safety, you can refer to the Euro NCAP website. The website will be able to provide you with updated assessments of various vehicles to help you make the best choice based on safety.
4. Choose a vehicle with a small petrol engine.
If you choose to get a car with a small petrol engine for a young driver, you will benefit from lower insurance rates. Smaller engines tend to provide less power, so drivers are often less likely to engage in reckless driving. Smaller engines also tend to require less fuel to run.
Petrol engines are also cheaper than diesel engines to repair. However, there is still much debate about hybrid and electric cars. In fact, some companies will charge you lower rates because of low emissions while others will charge you more under a specialist category.
5. Stick with factory specifications.
Many young drivers like to modify their vehicles to make them look and perform better. Unfortunately, if you mess with factory specifications, you may experience higher insurance rates. In fact, such modifications that often lead to increased rates include:
* Alloy wheels
* Sound systems
* Spoilers
* Custom bumpers and trims
The reason why such features may increase your insurance rates is because they make your vehicle more tempting to thieves. In addition, modified parts may also cost more to repair if they become damaged. Lastly, any modifications done to the engine or other crucial parts of the car to enhance performance can potentially increase accident risks.
6. Check for included security features.
Even cheap and common cars are at risk of being stolen because their parts are more easy to sell. To best deter thieves and enjoy lower rates, make sure that the vehicle you choose has a fitted alarm and immobilizer included. Having such security features typically amounts to a lower insurance group rating that will benefit you.
7. Ignore the colour myth.
Many people believe that if a car is red, black, or yellow, it will be more expensive to insure. Fortunately, this is a myth. In fact, the colour of your vehicle does not have any affect on the rates you receive for your policy. Knowing that the colour will not affect the rates will allow you to take more cars into consideration.
1. Check consumer reviews.
If you want to learn more about the cheapest cars to insure for young drivers, browsing online reviews is an excellent place to start. With so many lists available to review, you are sure to find a car that will work for you. However, just keep in mind that a lot of lists use generic avatars to get an average quote, so you should be prepared to spend more for young drivers.
2. Check with different insurance companies.
Another great place to learn what cars are the cheapest to insure is through insurance companies. In fact, your car may be favoured more with some companies than others, so shopping around will help uncover the best rates. The decreased rates may be due to the company's particular experience with your car model among its customers. If they have a good history with the vehicle type, you may benefit from lower rates.
3. Check safety ratings.
Choosing a car with great safety ratings will help you experience lower insurance rates. After all, if your vehicle is designed to protect people and property alike, insurance companies will likely not have to pay out as much if something should happen. Having a safe vehicle for a young driver is especially important due to the fact that young drivers are statistically more likely to become involved in accidents.
To find out the latest about vehicle safety, you can refer to the Euro NCAP website. The website will be able to provide you with updated assessments of various vehicles to help you make the best choice based on safety.
4. Choose a vehicle with a small petrol engine.
If you choose to get a car with a small petrol engine for a young driver, you will benefit from lower insurance rates. Smaller engines tend to provide less power, so drivers are often less likely to engage in reckless driving. Smaller engines also tend to require less fuel to run.
Petrol engines are also cheaper than diesel engines to repair. However, there is still much debate about hybrid and electric cars. In fact, some companies will charge you lower rates because of low emissions while others will charge you more under a specialist category.
5. Stick with factory specifications.
Many young drivers like to modify their vehicles to make them look and perform better. Unfortunately, if you mess with factory specifications, you may experience higher insurance rates. In fact, such modifications that often lead to increased rates include:
* Alloy wheels
* Sound systems
* Spoilers
* Custom bumpers and trims
The reason why such features may increase your insurance rates is because they make your vehicle more tempting to thieves. In addition, modified parts may also cost more to repair if they become damaged. Lastly, any modifications done to the engine or other crucial parts of the car to enhance performance can potentially increase accident risks.
6. Check for included security features.
Even cheap and common cars are at risk of being stolen because their parts are more easy to sell. To best deter thieves and enjoy lower rates, make sure that the vehicle you choose has a fitted alarm and immobilizer included. Having such security features typically amounts to a lower insurance group rating that will benefit you.
7. Ignore the colour myth.
Many people believe that if a car is red, black, or yellow, it will be more expensive to insure. Fortunately, this is a myth. In fact, the colour of your vehicle does not have any affect on the rates you receive for your policy. Knowing that the colour will not affect the rates will allow you to take more cars into consideration.
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