20 CHEAPEST CARS TO INSURE

20 Cheapest Cars to Insure for 17 Year Olds

Auto Insurance, Cars 0 Comment on 20 Cheapest Cars to Insure for 17 Year Olds

What are cheapest cars to insure ?

Passing your driving test makes you feel on top of the world and buying a new car is the second most exhilarating experience for any young person. Nonetheless, the cards are slightly stacked up against you, due to expensive insurance premiums which are likely to pluck down on your bank balance.

 

These high costs are not random, but rather relate to the fact that young drivers are more likely to overtake on blind bends, speed, drink drive, or fail to wear a seatbelt. This means that people aged 17 are considered high-risk drivers. So, the smart move is finding a car which can be easily insured on a tight budget. In this article, we’ll share the 20 cheapest cars you can insure especially for teens.


 

Volkswagen Up

Volkswagen Up - very affordable to insure

The charm and personality of the Volkswagen Up extend to more than its size and looks. Comfortable and reliable on the road, young drivers will surely have fun in this nearly-silent vehicle. Designed for in-town drives to and from work, it’s not to say that the car won’t perform on the occasional motorway road trip – just don’t expect too much from this friendly price tag.

The Benefits
It’s a smart and customizable car, featuring a smartphone sat-nav system bound to attract young buyers. Practical and quality assured, there is excellent value for money when it comes to the Volkswagen Up. Needless to say, it’s among the cheapest cars to insure too.

 

Hyundai i10 1.0 SHyundai i10 1.0 S - cheapest insurance

Hyundai’s i10 model has a plethora of features to offer. The vehicle is an excellent blend of comfort, space and value, despite its quite basic outside appearance. However, if you’re looking for practicality over looks, Hyundai’s smallest model is a winner.

The Benefits
First of all, Hyundai’s five-year warranty is possibly the most significant unique selling point (USP) for both youngsters and parents investing in their children’s first car. With excellent visibility and light control, the vehicle is a brilliant size for added control through crowded city streets – while motorway handling is still safe and predictable.

 

Vauxhall AdamVauxhall Adam - one of the cheapest cars

Featuring a stylish look and vibrant colours, the Vauxhall Adam is a vehicle which targets an audience looking for a style-focused four-wheeler. In fact, according to Vauxhall, potential buyers can choose from over 30.000 different combinations. This makes this vehicle as versatile as they come.

The Benefits
Although it might not compare with other cars around this price range, the Adam has sensibly been tuned to allow for a comfortable ride. Using its 18-inch alloys, it gives drivers a chance for quick steering and excellent front-end grip.

 

Mazda 2Mazda 2 - is not an expensive car

The Mazda 2 is a serious contender to other cars on this list and that’s because it combines practicality, engaging driving charm and sleek looks. What stands out from our list so far is the spacious and stylish interior, which gives a luxurious aspect to the car …

Continue Reading
ways to insure a car top_image

Different Ways To Insure Your Vehicle

Auto Insurance, Automotive , , 0 Comment on Different Ways To Insure Your Vehicle

We all know that to be legally allowed to drive on UK roads, it’s absolutely essential to have some kind of appropriate car insurance. Your insurance may need to cover someone else’s repairs in the event of a collision, so you’re responsible for getting this arranged, otherwise you have no right to drive.

However, aside from the legal requirement to get an insurance policy on your vehicle, what else can you do to insure yourself and your car? Technically being covered by an insurance company isn’t everything. We are talking about having a back-up plan (or more than one), so you know that whatever happens, you’re prepared. Here are some ideas to consider…

Arrange a backup plan

If the worst comes to the worst and you have an accident or something happens to your car unexpectedly, you could suddenly find that you don’t have a vehicle. This is extremely inconvenient when you’re not expecting it, as you probably need to drive to work and other commitments. You might even be stranded somewhere after your vehicle is taken in for repairs.

In this case, you will be glad of any kind of backup plan. Make sure you have the details of a reputable taxi service to hand, and it needs to be somewhere based locally if you want a fast pickup. If you’re in Bath and the surrounding region, for example, you will want a Bath taxi company who can collect you at a moment’s notice. An alternative is to have a friend or family member on standby, which isn’t that easy for most people, or relying on public transport which really depends on where you live.

Research repair specialists

Finding the closest service centre for your exact make and model will definitely be a good insurance policy in itself. If you take the time to research when you don’t have an urgent problem to get fixed, you should be able to make a rational decision based on information and reviews you can find.

Most manufacturers will have testing processes to make sure that local garages match up to their required standards, use officially licensed parts when conducting repair work and so on. It’s essential to make sure you only use these reputable firms when you have to get your vehicle serviced or repaired after an accident. You will be glad you already did the shopping around, should you ever need them.

Put some money aside

Regardless of your actual insurance policy, payments can take time to come through and you might find yourself in a situation where emergency repairs or other costs need to be paid immediately when something goes wrong. In this case it would be extremely handy to have some spare cash to hand, so it’s a good idea to put some money aside for this reason every now and again. Like many things in life, an emergency fund may seems like a small inconvenience now, but if you ever need it you’ll be extremely glad you started

Continue Reading

Dump Truck Insurance

Auto Insurance0 Comment on Dump Truck Insurance

Dump trucks are grouped as substantial commercial vehicles and accordingly there are unique considerations to consider while getting dump truck insurance. Insurance agents take a gander at not just the dump truck itself, yet how hazardous the materials being transported are, the driving record of the employee in the truck and frequently even what personal things the employee may have in the taxicab. Study the variables business managers must consider while looking for dump truck insurance.

Personal and Commercial

Any vehicle, for example a car, get truck, or Suv could be grouped as a personal or commercial vehicle. A personal vehicle is for personal, private use and a commercial vehicle is used for business. For instance, a person could lawfully use a Suv for a service grabbing individuals from runways and dropping them off at lodgings; that Suv might need to be insured as a commercial vehicle. Dump trucks are arranged as overwhelming commercial vehicles and obviously, all possessors of commercial vehicles are legitimately required to have insurance, just as holders of personal vehicles seem to be.

Commercial Heavy Vehicle and Fleet

The point when a business possesses four or more commercial vehicles, the dump truck insurance is implied as Fleet Insurance. An insurance agent can discuss insuring the “Fleet,” significance the greater part of the dump trucks, in one bundle. Because dump trucks are commercial substantial vehicles (as are tractors, conveyance trucks and others), managers buy Commercial Heavy Vehicle or Fleet insurance to cover them. Commercial Heavy Vehicle insurance contrasts from personal auto insurance in what it offers. Case in point, the cargo itself (whatever you are carrying in the dump truck) will influence the premium. A few companies offer the choice of covering personal property left in the dump truck as a component of the commercial insurance. It is additionally vital that a few companies will offer to pack physical damage, general liability and cargo in addition to trucker liability into one dump truck insurance bundle. Ask questions while looking to guarantee you know about all alternatives offered by various insurance companies.

Considerations

Any Commercial and Fleet Auto Insurance company will consider particular things while figuring a premium. Notwithstanding issues of the commercial vehicle itself, the agent will inquire as to the employees that drive the dump truck. For instance, the driver’s age, driving record and driving background, and in addition to what extent the employee has been driving for you will all influence the premium. What number of years you have been in business, what you pull in the dump truck and even where you pull it are additionally imperative while figuring what insurance you require and what amount you will pay for it. While looking for dump truck insurance, address each question as intensively as would be prudent. Precluding qualified data for any excuse for why can bring about a higher premium.

Benefits of Dealing with Big Companies

Bigger insurance companies, for example State Farm, Progressive, and Aaa (to name a couple of) have numerous assets …

Continue Reading

Commercial Vs. Personal Auto Insurance

Auto Insurance, Automotive, Cars0 Comment on Commercial Vs. Personal Auto Insurance

A commercial vehicle is one that is used basically for business. The decisive word in the definition is “fundamentally,” because the same vehicle may be used for both personal and commercial purposes. It is critical to legitimately separate a personal vehicle from a commercial one for two explanations: to start with, you are required by law to carry commercial vehicle insurance for all commercial vehicles; and second, commercial vehicle insurance is considerably more unmanageable than insurance for personal vehicles.

Essential Use

In the event that you use the same vehicle to drop your children to class and run business errands, the vehicle is arranged as either a commercial or personal vehicle dependent upon its essential use. For instance, in the event that you claim a car that your business uses to every so often transport products or employees, however is principally used by parts of your household, the car is ordered as a personal vehicle. Additionally, vans used by a business to convey products to customers and transport employees are arranged as commercial vehicles.

Essential Drivers and Vehicle Type

Separated from essential use, you can recognize between a commercial vehicle and a personal vehicle dependent upon the vehicle’s sort and essential drivers. In the event that a vehicle is essential driven by you or parts of your household, a personal auto policy may be satisfactory. Notwithstanding, if the vehicle is basically driven by your employees or associates, you will require a commercial auto policy. Furthermore, a few sorts of vehicles, for example concrete blenders, refrigerated trucks, flatbed trucks, cargo vans, traveler busses and tow trucks, must dependably be covered with a commercial policy.

Risk

Personal auto policies are not satisfactory for commercial vehicles because insurers push coverage dependent upon the risk connected with the vehicle, and they consider commercial vehicles riskier than personal vehicles. While determining the measure of premium to charge a customer, insurers consider the risk that the vehicle will be included in an accident. The insurer uses the vehicle’s risk level to assign a premium measure that is similar with the risk of covering the vehicle. From the insurer’s point of view, a commercial vehicle is esteemed to carry higher risk, primarily because of how it is worked. Also, a commercial vehicle is regularly driven a larger number of miles than a personal vehicle over the same period, which quickens its wear and tear, expanding the probability that the vehicle will be included in an accident. Understandably, insuring a commercial vehicle with a personal policy might go against the “higher risk, higher premium” run the show.

Cost Factors

Because coverage for commercial vehicles is more unmanageable, you ought not buy a commercial policy for a vehicle that can legitimately be insured with a personal policy. Commercial auto insurance rates hinge on a number of variables, and you might as well think about quotes from some insurers before purchasing coverage. Most insurers take a gander at some variables incorporating the sort, condition, make and model of the vehicle; …

Continue Reading