Finding the Cheapest Car to Insure for New Drivers? TOYOTA Yaris III Hatchback (XP13) (12.2010 - ...)

For a new driver looking to insure a 2012 Toyota Yaris, there are several strategies and insurer options to help find the cheapest insurance:

1. Compare Multiple Insurers:
Rates for the 2012 Toyota Yaris vary widely, with some of the cheapest average annual premiums around $480 to $650 from companies like Vermont Mutual, Tennessee Farmers, and Acuity in the US market. In the UK, average comprehensive insurance for a Yaris can be around £485 per year, but this depends heavily on the specific model and insurance group.
2. Choose Lower Insurance Group Models:
Toyota Yaris models fall into insurance groups ranging roughly from 2 to 36, with lower groups being cheaper to insure. For example, a Yaris Active 1.0 VVT-i (insurance group 2) costs significantly less to insure than sportier or higher engine models. For a new driver, opting for a lower insurance group trim will help reduce premiums.
3. Look for Policies Catering to New Drivers:
Some insurers specialize in or offer discounts for new drivers, including those who opt for telematics or “black box” insurance policies. These track driving behavior and can lower premiums if you drive safely. While some new drivers report paying over £1,500 for insurance even with black boxes, shopping around can yield better deals.
4. Consider Usage-Based or Pay-Per-Mile Insurance:
If you don’t drive much, some insurers offer pay-as-you-go or usage-based policies that can be cheaper for low-mileage drivers.
5. Increase Voluntary Excess and Bundle Policies:
Raising your voluntary excess (the amount you pay out of pocket in a claim) can lower premiums. Also, bundling car insurance with other policies like home or renters insurance may provide discounts.
6. Maintain a Clean Driving Record:
Over time, building a clean driving history will reduce your premiums.

7. Use Comparison Websites:
Use sites like The Zebra, CompareTheMarket, or Finder to compare quotes from multiple insurers quickly and find those offering competitive rates for the 2012 Toyota Yaris.

In summary, to get the cheapest insurance for a 2012 Toyota Yaris as a new driver, focus on choosing a lower insurance group model, shop around using comparison tools, consider telematics policies if suitable, and look for insurers known for competitive rates like Vermont Mutual or Tennessee Farmers in the US. In the UK, aim for models in lower insurance groups and consider black box insurance to reduce costs.