Cheap Car Insurance – Choosing the Right Vehicle

Getting cheap car insurance is important whether you’re a first-time insurer or are thinking of changing your vehicle. One of the main things you can do to keep your car insurance quotes as low as possible is to give proper consideration to the vehicle you’re buying. You may want to buy a powerful little sporty number, but before you do it’s wise to get an idea of how much the car insurance will be as the cost of it could be prohibitive. If you just want a reliable car to get you from A to B and don’t have anything specific in mind, you could choose a car with your insurance costs in mind. Read on below to find out more about how your choice of vehicle can have a big effect on your car insurance premiums as well as other running costs. Car insurance rule of thumb As a general guide, the cheaper the car you buy, the less the insurance is likely to be. Of course there are exceptions to every rule and in the case of car insurance, vehicles are classified by group and not value so this isn’t true for all makes and models. If you’re thinking of buying a car that attracts low insurance premiums you may want to consider something like a Ford Ka, Fiat Punto or Peugot 106. Car insurance quotes will also take into account things like your age and claims history so if you’re young and have a string of accidents behind you, you may not get the cheap car insurance quote you’re looking for. Repair costs The cheaper and easier your car is to repair, the cheaper your insurance costs will be. If you have a rare sportscar that needs high value specialist parts, car insurance companies will reflect this in any quotes they give you. On the other hand, if you have a small car that’s popular and has inexpensive parts that are readily available, you won’t be charged as much because of the low repair costs. Other ways to drive down the cost of motoring When it comes to vehicle choice there are a couple of other ways to keep your overall driving costs down. Choosing a car with cheap road tax is one way and the other thing to look at is fuel efficiency; how many miles to the gallon will your new car be able to achieve? These things may not directly affect your car insurance but they will save you money.





The Co-operative Insurance provides car insurance quotes in the UK with a range of optional extras and added benefits.