The car you drive has a massive impact on whether you get cheaper or more expensive car insurance. This post will talk about the least and most expensive cars to insure in 2019 to help you make a more well informed decision.
There are many factors which impact the cost of car insurance, some of these factors include; your driving record, credit score, and your age. If you want to find cheap insurance quotes from insurers in the United Kingdom then visit Quote Radar.
You cannot drive without car insurance, so you need it. You definitely want to find the best possible quote for your car insurance. It is common knowledge that newer more expensive cars require greater protection, compared to older cars which have decreased in value.
You can keep a perfect driving record and take advantage of every discount and still need to pay a ridiculously high insurance premium for the car you are driving. Sometimes, this cannot be helped, as certain cars will have more expensive insurance premiums than others.
The car factors which are considered when deciding what the insurance will be are the following; the cost of repair and car parts, the value of your car, the length of time it takes to repair the car, the value of the car if it was new, what security measures does your car have, the specifications of your car such as the top speed, the acceleration, and the power the car has, as well as what the availability of the basic frame of your car.
Some of the personal factors which are considered when deciding the insurance include the following:
Age
Young drivers are more inexperienced and are more likely to be involved in an accident. This is a risk and because of this, the insurance premiums will be higher for younger drivers. This cost lowers as you grow older, however, the insurance premiums will rise again after a certain age is reached.
Claims History
If you have made claims in the past, then your insures will think that you are going to make another claim in the future. This will cause your insurance premium to increase.
Medical Conditions
Unless you have a restricted licence, your medical conditions won’t be considered as a factor. Additionally, some medical conditions could be accompanied with car modifications to better suit the driver due to the medical condition. These modifications will be considered when deciding insurance premiums.
Occupation
The occupation you have will impact your insurance premiums. For example, if you are a racing car driver, your premiums will be higher, as you are more likely to speed. This increase the risk of an accident and thus the insurance premiums will reflect this.
Address
The area you live in will affect your insurance premiums. If you live in a bustling city, then the chances of damage to your vehicle will be much higher and this will cause the premium to be higher. In addition, if the area you live in is known to have a higher rate of car crime, you will need to pay more money. If you live in a quite area with a low car crime rate, then you will benefit by having a low insurance premium.
Mileage
The more often you drive, the more likely it is that you will be involved in an accident. So the higher your mileage is, the higher your insurance premium is going to be.
Cheapest Cars to Insure in 2019
Volkswagen Polo
This car is one of the cheapest cars to insure in 2019. As well as this, the Volkswagen Polo is also incredibly cheap to buy. Even though this car is small, you still get a lot of interior space, making the car more comfortable than you would think. You will have a lot of leg room and space on the boot, which you won’t find in other cars of similar size. Some versions of this car are in car insurance group 1.
Skoda Citigo
The Skoda Citigo is another cheap car to insure in 2019. If you are looking for a car which is cheap to buy and insure, then the Skoda Citigo is a great choice. This car is in car insurance group 1, which is the cheapest group. This is likely because of its sturdy build and because it is easy to drive and park in busy areas.
Volkswagen Up
The Volkswagen Up is very similar to the Skoda Citigo. It is a cheap car to buy and insure and will get the job done. It is spacious on the inside; however, it is a small car and looks a little plain from the outside.
Most Expensive Cars to Insure in 2019
Nissan GT-R
Finding an affordable insurance quote for a Nissan GT-R is going to be incredibly difficult. This car is a high performance vehicle which has a powerful engine. The insurance on this type of car is going to be high, even on the low end of the spectrum. As well as that, buying the will also cost you a pretty penny. So, if your buying this car, then you must have a really strong passion for cars, and a massive wallet.
Mercedes Maybach S650
This is a luxury sedan with a powerful engine. This is one of the most expensive cars to insure in 2019. This is due to the fact that the car is expensive and quite new and because of the high specifications it has to offer. If the car costs a lot of money, then the insurance will also be high, and this car is no different.
Porsche Panamera S
This fast four-seater which is a combination of both a luxury car and a performance car has a high premium, making it one of the most expensive cars to insure in 2019. It does provide a better experience for the driver and passengers due to the luxury aspect of car.
