For many drivers, their insurance premiums are among the biggest outgoings they’ll spend on their vehicle. This is particularly the case for younger drivers, as insurers are typically more cautious when it comes to less experienced drivers.
Unfortunately, insurance companies tend to treat young people of all driving abilities the same, so you’re likely to be lumped into the same category as your peers, and face higher insurance bills, even if you’re a more slow and steady type rather than a boy racer.
With this in mind, the costs can soon rack up and it’s always worth looking for ways to keep your insurance fees down. You can do this by selecting a car from insurance Group 1, the lowest insurance group in the country.
To help with this, the team at Treadfirst has put together a list of the cheapest cars to insure in the UK.
Hyundai i10
If you’re based in a city, then you probably don’t want a car that’s too big or overpowered – especially if you’re going to be spending much of your time behind the wheel in traffic. Therefore, the practicality and minimalist design of the Hyundai i10 is perfect if you’re wanting to opt for something that can help with the basics.
Over the years the i10 has developed, where it was once purchased purely for its convenience, in 2021 it’s one of the most popular models out there thanks to its cheap insurance price, low running cost and sleek aesthetic.
Nissan Micra
As efficient as it is affordable, a Nissan Micra comes with a 1.2-litre engine that gives it a good amount of power while still maximising its fuel. Another small vehicle, it’s an ideal first car, particularly as the latest model has bucked the trend with a bold style and upgrades to its interior.
Vauxhall Corsa
Reliability and cheap insurance often come hand in hand, and there aren’t many cars more dependable than a Vauxhall Corsa. Simplistic mechanics and a spacious interior don’t make it any less enjoyable to drive, and it’s always worth considering if you’re looking for lower insurance.
Volkswagen Polo
While the Golf is the jewel in German manufacturer’s Volkswagen’s crown, you shouldn’t overlook the Polo if you’re trying to reduce your insurance premiums. One of the best traits of the Polo is its versatility, and it’s the perfect car for a whole host of errands from your weekly shop to weekend road trips.
Other ways to lower insurance
As well as going for a cheaper car to help with your insurance, there are a number of other things you can do if you want lower rates. These include:
- Limiting your miles – when you’re getting an insurance quote you may be asked how many miles you typically drive. Fewer miles equals less chance of an accident, and so you’re likely to be offered a cheaper rate if you don’t drive as often or as far.
- A black box – many a young driver has been at the mercy of a black box. While monitoring every aspect of your driving, including speed, braking and mileage, can feel a tad intrusive, it is actually a great way to lower your insurance quote.
- Drive safely – it sounds obvious but simply being a safe driver is the best way to lower your insurance, and protect your no claims bonus. Being sensible when behind the wheel can really pay off, as you’re likely to see your insurance premiums reduce year on year if you don’t need to make any claims.
At Treadfirst, we’re experts in tyre fitting and operate throughout Norfolk, Suffolk, Essex and the surrounding areas. Our team provides a whole host of automotive services including tyre-fitting, performance tyres, commercial tyres, branded tyres and MOTs. For more information on our services get in touch today.
