Saturday, December 20, 2014

UK Car Insurance - The Top 10 Cheapest Cars To Insure




The cheapest cars to insure


The
type of car you drive is likely to have a big effect on the price of
your car insurance – find out which cars are the cheapest to insure and
why There is no definitive cheapest car insurance in the UK, so finding
the best deal depends on a range of factors – namely, the vehicle. While
common sense tells us it costs less to insure a Fiesta than a Ferrari,
the value of your vehicle isn’t the only factor involved in
determining car insurance cost – scroll down to see ten of the cheapest
cars to insure:

1. Chevrolet Spark
Cheap
to buy and decent for safety, the Chevrolet Spark makes up for what it
lacks in performance with its cheap car insurance rate.


Chevrolet Spark, cheapest cars to insure

 
 
2. Citroen C1
The C1 is cheap to run, while
servicing costs are also reasonable. Some Citroën deals also come with
one year’s free insurance to appeal to young drivers and first-time car
buyers.


Citroen C1, cheapest cars to insure

 
3. Fiat Panda
Boasting a super-efficient engine, the pocket-sized Panda is a practical city car with low running costs across all models.


Fiat Panda, cheapest cars to insure

 
4. Vauxhall Corsa Hatchback
Popular with young
drivers for well over a decade, the Corsa is a sensible and reliable
supermini – all models from 2006 onwards appear in car insurance group
1.


Vauxhall Corsa, cheapest cars to insure

 
5. Volkswagen Fox and Up
Originally designed as a Brazilian city car, the Fox is cheap to run and offers good fuel economy. Its successor, the Up, won What Car? ‘Car of the Year’ for 2012.


Volkswagen Fox, cheapest cars to insure

 
6. Ford Fiesta and Ka
The new Ford Fiesta is
officially the UK’s best-selling car, and both the Fiesta and Ka can be
found in car insurance group 2, making them the cheapest Ford cars to
insure.


Ford Ka, cheapest cars to insure

 
7. Nissan Pixo
A collaboration between Nissan and
fellow Japanese manufacturer Suzuki, the Pixo is cheap to buy and comes
with extremely low running costs.


Nissan Pixo, cheapest cars to insure

 
8. Peugeot Partner Tepee 
The Partner Tepee is a
compact and durable people carrier that’s only slightly bigger than an
average hatchback. Maintenance costs are low and it generally only needs
servicing every two years.

Peugot Partner Tepee, cheapest cars to insure

 
9. Skoda Fabia Hatchback and Estate
Part of the
Volkswagen group, the Fabia Hatchback and Estate are both in car
insurance group 2 as a result of their low prices and solid engineering.


Skodia Fabia, cheapest cars to insure

 
10. Smart Fortwo Coupe and Cabriolet
Smart cars are
renowned for being able to squeeze into tight spaces and are often
attract cheap car insurance, though servicing and parts can be
expensive.


Smart Fortwo, cheapest cars to insure

 

Car insurance groups – how do they work?

Every car on the market belongs to one of 50 car insurance groups set by
the Group Rating Panel (members of the Association of British Insurers
and the Lloyds Market Association).

Typically, the lower a car’s group number, the cheaper it will to be to
insure – for example, cars within groups 1-5 are far more likely to
attract the cheapest car insurance. Insurers can also use their own
grouping system if they want.

When the panel decides on which car insurance groups to assign cars to they look at:

  • Car performance: the car’s acceleration and top speed
  • Car security: what security features the car has
  • Cost of parts: the cost of 23 of the most common parts
  • Maintenance: how much and how long the car takes to fix
  • Car value: the price of the car as new

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