Who is Vauxhall?
Vauxhall is a UK car manufacturer, with roots in pump and engine manufacturing in the 1850s, a stint as the British arm of General Motors, and now a subsidiary of French company the PSA Group—which you might know better as Peugeot. It regularly vies with Ford for dominance of the UK's roads, and its vehicles are known for their reliability.
Vauxhall models are identical to those sold under the Opel brand in Europe. Among them is the perennially popular subcompact Corsa, although Vauxhall has also won fans for its SUV crossovers, family cars and more niche model
How Much Does a Vauxhall Cost to Insure?
When it comes to determining how much it will cost to insure your Vauxhall, there's no straightforward answer. This is because the type of Vauxhall you drive, coupled with your age, gender, driving history and any no-claims bonus you might have will play a major role in influencing your premium and these factors will differ between every driver. To give you a clearer picture, we’ve outlined the price differences for some of the most popular Vauxhall models in the table below.
| Model | Average Price |
|---|---|
| Vauxhall Corsa | £711 |
| Vauxhall Astra | £614 |
| Vauxhall Insignia | £1576 |
| Vauxhall Adam | £688 |
| Vauxhall Agila | £631 |
| Vauxhall Crossland | £662 |
| Vauxhall Meriva | £676 |
| Vauxhall Mokka X | £899 |
| Vauxhall Tigra | £662 |
| Vauxhall Vectra | £6726 |
| Vauxhall Vivaro | £631 |
| Vauxhall Zafira | £660 |
How Can I Get Cheaper Vauxhall Car Insurance?
Vauxhall car insurance is usually affordable, particularly for familiar models like the Corsa or Astra. But you don't want to pay any more than you have to. To reduce insurance premiums on your Vauxhall, whether it's a commonplace Corsa or a Vivaro van, follow these tips:
- Reduce your mileage: Vauxhalls are very driveable, but the less yours is on the road, the less you'll pay to insure it. If you can't reduce your mileage, you can at least guarantee you're not overpaying by giving your insurer a reliable estimate of how much you drive.
- Tighten security: Most Corsa models don't come with alarms or other security features pre-fitted. But you can enhance security on your vehicle, and possibly lower your insurance costs, by adding them. Consider installing an immobiliser or a GPS tracker. You can also boost security by simply parking your vehicle in a garage or secured, well-lit yard rather than on the street or in your driveway.
- Take a black box onboard: A telematics policy records your driving behaviour and passes the information onto your insurer, which may decide to trim your costs for safe behaviour. This is particularly true for young drivers, who find the Corsa a great entry-level car but who pay the highest insurance premiums for it due to their inexperience.
- Always compare: Drivers who compare quotes from multiple insurance providers and change their car insurance provider each year are more likely to pay a cheaper premium by taking advantage of the latest deals and prices. Make sure you're in the habit of comparing each year!
- Increase your voluntary excess: By increasing your voluntary excess (the amount you pay in the event of a claim) you can expect a decrease in your premiums. That said, it's essential to be realistic and select a voluntary excess that fits comfortably within your budget.
What Factors Influence the Cost of Vauxhall Car Insurance?
To provide you with accurate insurance quotes, insurance providers will take the following factors into consideration:
- Type of cover you need: Do you need fully comprehensive or third-party cover for your Vauxhall? Whatever the type of insurance you require, the level of cover you want will be reflected in your premiums. As you can expect, the higher the cover, the higher the premiums - although its still recommended that you compare as many quotes as possible.
- How you use your vehicle: If you're planning on using your Vauxhall for work purposes then you can expect to see higher quotes for your cover. An insurance company will consider someone who uses their vehicle to commute or for work purposes to be a higher risk than someone who only drives for leisure.
- Driver details: If you're a younger driver, you can expect higher insurance costs than someone who has more road experience and is older than you.
- Where you live: Where you live also plays a part in influencing the cost of your premiums. Someone who lives in a city or a busy urban location can expect to pay higher insurance costs than someone who lives in the countryside.
- Car modifications: Any changes to your car’s performance can lead to a higher premium. Modifications to the engine, transmission, exhaust system, or the addition of a body kit increase the likelihood of accidents or theft, making you a higher risk to insurers, which will result in higher premiums
- Your claims history: If you're a careful driver and build up years of no-claims then you'll be rewarded with a lower premium.