Types of car ideal for younger drivers

Group

Ideally stick to low insurance groups. In the UK, Motor Insurance premiums are usually worked out partly on the Insurance Group that you car fits within. The system is used by insurance companies as part of the calculation to assess your motor cars risk. The higher the category number of your vehicle, the higher your premiums are likely to be. Factors used to calculate group ratings include the power of your vehicle and potential repair/part costs. To keep your premiums to a minimum it is therefore good practice to own a car within one of the lower Motor Insurance Groups.

Engine Size

The smaller the better! Particularly in the first year the smaller the engine size the better for younger drivers to keep the cost of their motor insurance down. Even selecting a 1.1 litre engine over a 1.2 can make a lot of difference. This is why it is important when looking for a car to keep the engine size down and to get a motor quote on every model you look at.

Value

Insurers are generally willing to cover a vehicle on a third party basis up to a limit of £2000. Beyond that comprehensive cover should be required. To the limit of £2000 generally there is not a great deal of difference.

Modifications

Young drivers are also more likely to want to modified their motor cars which can increase Motor Insurance premiums further. If you are considering modifying your vehicle then make sure you speak to your Motor Insurance company to find out what the changes may cost to your policy.