What would be the best insurance group to go in, if I am a first time car owner/driver?
Hi, I am going to turn 17 in the autumn and I am looking for a first (used) car. But I am unsure about which insurance group is the best to go in? Someone told me I could get insured fairly cheaply on Group 5? I would like a reliable car, at the moment I am looking at Ford Focus, Volkswagen Polo, and Fiat Punto. I want it to be fairly new, and look good. I can spend up to £2000.
Hope you can help,
The best would be insurance group 1 as they will be the lowest cost to you, obviously they aren’t going to be much fun but will get you from A-B. Remember, however that even the cheapest car in the lowest insurance group is not going to leave you much change from £1000 when it comes to insurance at your age. My H reg ford fiesta 1.1 popular plus that I had when I was 17 (more than 10 years ago) cost me £1000 to insure 3rd party only. In other words £2000 isn’t going to get you very much in the way of new especially if you have to include insurance into the price too.
Lower the group the cheaper.
5 is low, 4 is lower.
Focus is a good car,
but so is the polo.
Punto is not so good. but cheaper to buy and probably insure.
Look at parkers for insurance groups and use the online insurance quoters – compare sites – to get prices for car insurance.
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for car I would go with Focus…most dependable
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Any small car with an engine size 1litre-1.3 litre or small diesel engine is what you need to look for then before you buy get a quote on the web don’t bother your self with insurance groups they don’t mean that much any more
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As said Parker’s Guide will be very helpful in selecting a low insurance group car. It will also help with valuation when you are looking at cars to buy. Buy the book rather than do it online as it is much more convenient.
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The lowest the better.
Group 1 being cheapest.
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The best would be insurance group 1 as they will be the lowest cost to you, obviously they aren’t going to be much fun but will get you from A-B. Remember, however that even the cheapest car in the lowest insurance group is not going to leave you much change from £1000 when it comes to insurance at your age. My H reg ford fiesta 1.1 popular plus that I had when I was 17 (more than 10 years ago) cost me £1000 to insure 3rd party only. In other words £2000 isn’t going to get you very much in the way of new especially if you have to include insurance into the price too.
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