The first thing that needs to be understood is that the cheapest car to insure may depend as much on the type of vehicle as on the car itself. For example, a four-door sedan with a small engine is a good choice, and available from most car makers. Safety features are the same way, you can get electronic stability control in a 10 year old sedan, or in the most expensive sports car on the market…but the sedan is going to be a lot cheaper to insure.
By and large, the classic VW Beetle has been one of the least expensive cars to insure for new drivers for years. The Beetle rates well in highway safety tests, which offsets a relative shortage of safety features. It has other benefits as well, such as being economical to drive, a reputation for safe handling in various road conditions and a timeless appeal to drivers of all ages.
Ford offers a couple of newer models that make a good choice for new or teen drivers, too. The Ford Focus is touted as economical and safe, and the Fiesta has been a low-cost choice for new drivers for over 10 years. If you prefer a larger car, pick up an older Ford Taurus for its safety features and tell your teen driver you got it for the luxury options. Keep in mind that 4 doors are cheaper to insure no matter what the make or model of the car is.
Another general tip is that older cars, ones that can be purchased outright with no lingering payments, offer some advantages for teen drivers. By paying cash, you can skip collision and comprehensive coverages, eliminating as much as two thirds of the insurance premium, plus the fact that you wonâ€™t need to pay for GAP coverage if there isnâ€™t a finance company involved.
Shopping around for the best coverage at the best price is still going to be important. To do that, make use of online insurance quotes. You can customize the policy just the way you need it to be and then compare prices between multiple insurers to find out who has the best deal.