What's a cheap car to insure?
-
What kind of car is cheapest to insure for an 18 year old driver in NSW, Australia? Is it a car with the lowest possible engine capacity, or lowest total value, or something else? I can find detailed information about the cars in specific insurance groups for other countries, but nothing for Australia.
-
Answer:
Perhaps an insurance agent could help answer this question. When we bought a second car recently, my insurance agent was able to tell me all the reasons why the insurance on the second one was more than on the first car, and that led him into a big riff about how non-intuitive insurance rates are to most people, and so on, including specific model names and years (it was more interesting than it sounds).
weegreentoad at Ask.Metafilter.Com Visit the source
Other answers
Ditto-ing not that girl: do some research of the various companies and call them up!
Lucie
Ditto-ditto; just ring up and ask you insurance company or, if you're a member or know someone who is, the NRMA. Age, driving experience, type of licence, home address, sex, model year, etc all make too much of a difference for a simple answer. Just an anecdote: When I bought a new 4 cyl car a couple of years ago, the insurance was half that of my previous 20 year old standard "Aussie" 6 cyl - despite the fact that Ford parts & panels are a dime a dozen, and the new car being a "sports" version of the much-less-common sedan body.
Pinback
As a slight derail, a car with a small engine capacity is a very good idea for an 18-year old. A few years ago, I was involved in a road accident where the other driver, who was 100% at fault, was a teenager driving his first car which had the most powerful engine he could afford. The police said that if he'd been driving a less powerful car, it's unlikely he'd have lost control of it to the extent that he did, or at all.
essexjan
Sorry for the piggy-back ride ... I'm 26, Male, Married, International Grad Student who came to USA on August, 06. Received my USA Driving license in Feb,07. I have been having my home country DL since 1999. I'm looking for an used car. What kind of a car would allow me to get the lowest insurance?
WizKid
WizKid: Follow the advice that's already been given and call an insurance agent.
rbs
When you call the insurance agent, be aware that they group cars in categories. The majority of cars will be a base rate (that is, the coverage rate is based on a standard formula having to do with your age and driving history, and with the value of the car) and others will be grouped for premiums or discounts. For example, when I was shopping for a car several years ago, I brought my short list to my insurance agent and said "Okay, how much to insure this, or this, or this?" Her response was along the lines of "okay, car A is on our standard rate, car B is in a 25% premium group [meaning that the rate was bumped 25% over the standard rate] and car C is in a 10% discount group [meaning that the rate was discounted 10% below the standard rate.]" Which cars end up on which lists is based on past payouts (and other things), and so it's not easy to guess -- how expensive replacement parts are, how much medical payments out have been for those models, and how often they're stolen are a big factor -- so just ask them for their list of most highly-discounted cars. Mind you, expect a lot of minivans and boring, slow cars, but also inexpensive to repair and quite safe ones.
davejay
Thank you all for your answers. I gather that there is no general rule regarding engine size, value, etc, and I'll have to contact individual agents with example vehicles and hope for the best!
weegreentoad
Related Q & A:
- What's the cheapest car to insure?Best solution by Yahoo! Answers
- What's a good car audio speaker brand?Best solution by Yahoo! Answers
- What's a cheap digital camcorder with good audio?Best solution by Yahoo! Answers
- What's a cheap video camera for only YouTube videos?Best solution by Yahoo! Answers
- What's a practical car repair you should know if you drive a jalopy?Best solution by Yahoo! Answers
Just Added Q & A:
- How many active mobile subscribers are there in China?Best solution by Quora
- How to find the right vacation?Best solution by bookit.com
- How To Make Your Own Primer?Best solution by thekrazycouponlady.com
- How do you get the domain & range?Best solution by ChaCha
- How do you open pop up blockers?Best solution by Yahoo! Answers
For every problem there is a solution! Proved by Solucija.
-
Got an issue and looking for advice?
-
Ask Solucija to search every corner of the Web for help.
-
Get workable solutions and helpful tips in a moment.
Just ask Solucija about an issue you face and immediately get a list of ready solutions, answers and tips from other Internet users. We always provide the most suitable and complete answer to your question at the top, along with a few good alternatives below.