whats the best insurance car?

Pugs are cheap insurance, dont look at the really small cars as every new driver buys one.... hence lots of crashes and expensive insurance rates for those cars.

It's not the car that's necessarily the most important factor. The insurance companies will be looking at you, your vehicle, your occupation, your housing status, your employment status, your history, and myriad other factors.

Don't forget, also, that each of those factors can be examined in minute detail. People focus far too much on insurance group and engine size when making suggestions, but it's often irrelevant, ie:

• A car costs £10,000 and has a 800cc turbocharged engine developing 100BHP. It is made largely of lightweight materials so weighs less than 1000Kg. The manufacturer made 1500 of them last year. It is classed as insurance group 15.
• A car costs £1800 and has a 2.8l straight six engine developing 210BHP. It is made of rocks and lead, and weighs just about 1700Kg. The manufacturer made hundreds of thousands during a ten year production run. It is classed as insurance group 18.

I can tell you for a fact that the bigger engined, higher group car will cost less to insure than the other. It will be cheaper to repair, repairable at a wider range of places, slower, will likely be assessed as safer for the occupants, and less desirable to thieves.

Interesting anomaly here - a two seater, or single seater car may cost less to insure than a comparable multi-seater of similar risk and performance for the sole reason that should you have a big smash, you are likely to kill or seriously injure fewer people as you can physically fit fewer in the vehicle.

Small vans like Escorts and Vauxhall Combos are often cheap to insure, and classic insurance on cars over 15 years old can save you a packet, and you should still build up no claims with most policies.

Source: Several years working on developing online quote engines for Norwich Union Direct.

[Wideboy]

Originally Posted by chompy

my brother had it at £800 TPFT at 17 so i want to get it to about that

when i was looking for my first car mini's where the cheapest for me at about 800 quid TPFT but i was picking one up as a little project rather than a full time car as it was a bit small, still want one though maybe in next few months

mate who is looking to drive ran a qoute on a 1L corsa and it came out roughly 900 i think

dont laugh - but look at a smart car - you can get a fair amount of kit in the form of bags/rucksacks in and they are mega cheap to run and insure. safer than many other smaller cars. we have one which has done 30,000 miles in the 2 and a half years we have owned it, without a problem! it sits at 70-75 mph on the motorway and tops out at 85mph (restricted). quite a laugh to drive as well - I'm 6' 2" and fit in no problem.

Sean

Originally Posted by busasean

dont laugh - but look at a smart car - you can get a fair amount of kit in the form of bags/rucksacks in and they are mega cheap to run and insure. safer than many other smaller cars. we have one which has done 30,000 miles in the 2 and a half years we have owned it, without a problem! it sits at 70-75 mph on the motorway and tops out at 85mph (restricted). quite a laugh to drive as well - I'm 6' 2" and fit in no problem.

Sean

dont laugh i cant stop Lol

Originally Posted by Wideboy

when i was looking for my first car mini's where the cheapest for me at about 800 quid TPFT but i was picking one up as a little project rather than a full time car as it was a bit small, still want one though maybe in next few months

mate who is looking to drive ran a qoute on a 1L corsa and it came out roughly 900 i think

And you can stick a busa engine in a mini ;]