No one likes paying over the odds for insurance or an extended warranty. It’s a fact that some cars are super-cheap to insure, while others will cost you a small fortune. For that reason, it’s worth being savvy when choosing a new car, to ensure that the insurance is affordable, and you’re left with more cash in your pocket. Along with your driving history, the main factor in how much you can expect to pay is the make and model- so check before you buy.
When you’re looking at buying a car, insurance numbers are your friend. Every make of car has one, and they let you know just how costly it’s going to be to ensure that particular model. These range from insurance group 1, which is the cheapest to insure, to group 50, which is the most expensive.How are these numbers decided?
There are several different factors that go into choosing each model of car’s insurance number. These include:Availability of parts
If a car needs expensive or hard-to-find parts to repair, then naturally the overall repair costs will shoot up. On the other hand, cars that are an easy fix are a more attractive prospect to insurers, and as a result, the cost of premiums go down.Total cost of repairs
The vast majority of money that’s paid out in insurance and extended warranty claims goes on the actual cost of repairs to the vehicle. If you own a car that’s going to be very expensive to repair, then it’s in insurers’ best interests to charge you more.The car’s value
Obviously, cars that are more expensive to begin with will cost more to insure, or to buy an extended warranty for.The car’s performance
Statistically, cars with higher top speeds are more likely to be involved in accidents- so you’ll be penalized for this in your insurance premiums.
Bearing these points in mind, you’ll be able to choose a car that doesn’t cost a fortune to insure, or to buy an extended warranty for. However, to help point you in the right direction, we’ve put together the following list of some of the best cars to get a low warranty insurance deal. That way, not only are you getting a great car, but you’ll also make some significant savings when it comes to getting it insured or buying an extended warranty.Fiat Panda
Not only is the Fiat Panda cheap to get insured, or to get an extended warranty for, but it also comes with extremely low running costs. It’s also a very spacious car given its size, and its large windows give it high visibility that makes for a safer drive.Toyota Yaris
As well as having many impressive safety features, the Toyota Yaris is one of the cheapest cars to insure around. In fact, depending on your driving history, it might be your best bet.Ford KA
Another compact car, the Ford KA is an excellent choice for those who want a reliable, cost-effective vehicle, and aren’t bothered about its size. In fact, it’s even easier to park than other cars- so you’ll fit into even the tightest parking spaces.Kia Rio
The Kia Rio is a five-door model, making it a solid choice for a family car. Not only that, but it also has plenty of storage space in the back, and its even carbon efficient- so you’ll be saving the planet as well as some money.Normal 0 false false false EN-GB X-NONE X-NONE