CHEAP CARS ON INSURANCE: Tips For Young And New Drivers

cheap cars on insurance

According to Bankrate, the annual average cost for full coverage on cars insurance in the U.S is $1655 which is about $138 per month. For a new or young driver between the age of 17 and 18 years, that is quite a whole lot of money. Not to worry though; there are cars out there with cheap insurance for you and that is what this guide is all about. If you are a new driver, presently 17 or 18 years, or you know anyone in this category, then check out the various insurance group as well as affordable cheap cars on Insurance. 

Cheap Cars On Insurance

Did you recently pass your driving test and are on the lookout for a car? Are you a new or young driver, there is cheap insurance coverage for your cars but then, this depends on the type of car in question. We understand the rigorous process it takes to find cheap cars, we also know the stress of comparing insurance costs to get a fair premium. That is while we decided to make things less stressful by doing the homework, while you relax and make a choice from our list of cheap cars on insurance. There are a couple of ways to reduce the cost of insurance on cars and get it at a cheap rate. One of such ways is by choosing cars on a low car insurance group.  Several factors influenced car insurance. Among them are the insurers, the type of coverage but the most common determinant is the car insurance group. So let’s delve a little into that as having a basic understanding of car insurance groups will help you in choosing the best cheap cars insurance.

Cars Insurance groups

In every insurance company, cars are assigned a specific group. The mode of classification depends on the car features such as the car value, cost of parts and repairs, car performance, security, and so on.  In the UK, there are 50 car insurance groups, and the features of your car determine under which group your car will fall. However, the higher the group the higher the cost of the premium. And the lower the group, the more cheap insurance premiums on cars will be. This simply means if my car falls in group one, I will be getting insurance at a very cheap rate. So here’s the trick, if you want to get cheap insurance on cars, make sure your car falls in-between groups 1-10. As the group number increases, the costs also increase.

Cheap Cars On Insurance For New Drivers

Aside from meeting the key features for cheap insurance on cars, new drivers can also opt to share a policy with their parents to cut down on expenses.

Cheap Cars On Insurance For Young Drivers

Many insurers believe a new or young driver is inexperienced and is also more prone to apply for claims than mature experienced drivers. As a result of this, they are charged higher premiums than experienced drivers. Fortunately, we compiled a list of cheap cars on insurance for you. A young is apparently anyone age 21 and below mostly between 17 and 18 though. 

#1. Renault Twingo

When it comes to Renault Twingo, you may not get a brand new one but you can get a working second-hand one. It belongs to the second group on car insurance and is perfect for new and young drivers. Additionally, it has a low horse engine with a 1.0 petrol engine too. 

#2. Smart Forfour

Perfect for driving through the city, the Smart Forfour is an advanced version of the Smart Fortwo.  With a 71PS 1.0-liter engine, which accelerates to 62mph in 15.9 seconds, you most certainly will find it in the second insurance group for cars.

#3. Toyota Aygo

Toyota Aygo has a relatively low-power engine. With 1.0-liter three-cylinder petrol with 72PS, you sure can tell it is within group 1 and 2 insurance. It doesn’t have enough room at the backseat for grown-up adults though. But it was rebranded in 2018 and will definitely meet your need as a new driver.

#4. Vauxhall Corsa

The Vauxhall Corsa rebranded its features with a 1.2-liter petrol engine. Some of its features include a LED headlight, 16-inch alloy wheels, and well-arranged touchscreen infotainment. It also includes features that abide by the cell phone regulations while driving. Corsa is a well-known little automobile and a popular first car for new drivers. What’s more, the Vauxhall Corsa has enough space for you and your friends that it can easily pass for a small family car.

Cheap Cars On Insurance For 17 And 18 Years

For drivers age 17 or 18 years, getting cheap cars on insurance is most suitable for groups 1 and 2 insurance. Do remember the cost of your car, the cost of its parts, and repairs are key factors that determine how cheap or expensive the insurance will be.  So it is advisable to settle for group one or two as a young driver. 

#1. Volkswagen Up

Top on our list for cheap cars on group one insurance is Volkswagen Up. If you know Skoda Citigo, then the Volkswagen Up is already familiar to you. The truth is the Volkswagen Up may have been around for a while but a young driver age 17 or 18 can still build his driving history using this cheap insurance car. It is relatively cost-effective.

#2. Hyundai i10

Young drivers age 17 or 18 that intend to get cheap cars on insurance with Hyundai I10, should opt for the 66PS 1.0 liter. Not what you are cut out for right? Oh well, you will have to place your cheap car insurance need above your classy want and stick with a 14.7 second 0-62mph time. On a lighter note, it is suitable for town driving and equally falls on group 1 insurance. Finally, it also has a spec that comes with air conditioning, a rearview camera, and Apple CarPlay and Android Auto. Cheap Cars On Insurance For 18 Years Old.

#3. Nissan Micra

If you need simplicity and comfort, with a cool interior and loads of safety technology, Nissan Micra is just what you need. It has an enjoyable driving style and is on the top list for new drivers. Check out its version with 71 PS as it’s perfect for young and new drivers.

#4. Volkswagen Polo

Well just in case Volkswagen Up doesn’t sit well with you, you can settle for Polo if you prefer your car a little bigger. For young drivers, Po an exceptionally polished and useful little car.  Polished to meet the taste of a young 17 or 18 years old driver, Polo’s furnishing is quite of high quality and what’s more? It also qualifies for cheap car insurance. The boot may be a little smaller than the Golf but it has just enough room for four people. Furthermore, its sixth generation has soundproof which makes it more sophisticating. To get the Volkswagen Polo cars on cheap insurance, it is advisable to settle for the lower-powered 1.0-liter petrol engine with either 65 or 80 horsepower as a young or new driver.

#5. Skoda Citigo

The Skoda Citigo may be in group 1 insurance on cars which is considerably cheap but be mindful of your trim level when trying to get one. This is because it tends to push it over to group two or even 3 insurance levels. That aside, the Skoda Citigo is affordable.  

#6. Ford Ka+

The Ford Ka+ line comprises models in insurance groups 1 and 2, it is ideal for new or young drivers on the lookout for cars with cheap insurance.   One cool fact about the Ford Ka+ is the fact it has enough room to convey people.

Tips On Finding Cheap Insurance Cars 

As much as getting a cheap car contributes to your insurance rate, if you intend to get insurance on cars at a lower premium, you will have to consider the following too;

  • Protection against lane drift
  • Working alarm system
  • Anti-lock break
  • Cruise control
  • Stable Electronic Control
  • Keyless IgnitionDetachable Bar Over Steering
  • Pretensioner for seatbelts

While trying to get cheap cars on insurance, also lookout for the following;

  • As much as possible, avoid cars that are lighter, and easily prone to damages in an accident
  • Any car that receives a low rating from National Highway Traffic Safety Administration (NHTSA)
  • Vehicles with strong engines in addition to lots of horsepowers

Tips On Cheap Cars Insurance

If you want to keep your insurance prices low, there are a few things you should know before getting your car.

  1. keep an eye on the car model and key features. 
  2. Avoid cars with modifications
  3. Verify the car’s insurance group
  4. Get quotes from insurance group
  5. Watch out for the excess you will have to pay before claiming
  6. Compare Quotes
  7. Buy your policy

Conclusion

Aside from getting a cheap car that is relatively low in value, repairs, and cost of parts, there are other ways to get cheap insurance on cars for new and young drivers of 17 and 18 years. New or young drivers do this by enrolling in safe driving programs offered by various insurance firms. Enrolling in safe driving helps new and young inexperienced drivers to reduce risks and equally gives you a low premium. So leave no stone unturned if you intend to get cheap cars on insurance.

FAQs On Cheap Cars On Insurance

What is the cheapest car insurance for a young or new driver?

Any vehicle that falls belongs to groups 1-3 in the car insurance group.

Are automatic cars cheap to insure?

Well no, automatic cars do not fall between groups 1-5 and this makes it more expensive to insure than manual cars.

Which is cheaper to insure, brand new cars or second-hand

The value of a debut car tends to reduce over the years as the car company launches its latest model. This simply means brand new cars with their latest features are more expensive to insure compared to second-hand cars.

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