Why Drive a Toyota Aygo?
The Toyota Aygo is a stylish and compact city car, that’s perfect for navigating the UK's narrow streets and tight parking spaces. Designed by Toyota for urban drivers, it boasts a chic, youthful look with a distinctive front "X" design and vibrant colour options, making it a popular choice for those who want to make a statement on the road.
The Aygo is efficient, with a fuel economy of up to 58.9 mpg, making it budget-friendly for daily commutes and short trips. With low running costs and a fun, agile driving experience, the Toyota Aygo is an excellent choice for anyone looking for an economical yet stylish small car!
How Much Does it Cost to Insure a Toyota Aygo?
The cost of Toyota Aygo insurance will vary from driver to driver. This is because factors such as insurance groups, driving history, your age, and your no-claims discount are unique to you and your circumstances. As a result, insurance for the Toyota Aygo can range anywhere from £500 to £700, depending on these factors and your specific circumstances.
How Can I Get Cheaper Toyota Aygo Insurance?
No one wants to pay more than they should for their car insurance. Here are our top tips for securing lower premiums for your Toyota Aygo.
- Remember to compare: Comparing insurance quotes is the best way to find the newest deals and the best prices. Never accept the first quote you receive and compare as many prices as possible.
- Boost security: When it comes to analysing your risk, your car's security is an important factor. The Toyota Aygo comes with a range of security features such as central locking and alarm systems; however, by adding additional security such as a dashcam, a steering wheel lock, and even a GPS tracker, you can help to lower your risk and get a discount.
- Build a no-claims discount: The longer you can go without making an insurance claim, the better for your budget. Drivers who can build up a no-claims discount over several years are rewarded with cheaper premiums.
- Pay in full: Paying in full is a simple but effective way to lower your insurance. Paying your insurance in full means avoiding the additional interest rates and administrative fees that come with monthly payments.
- Only add extras if you need them: Including any policy extras such as windscreen cover, personal belongings cover, or stolen key protection will increase the cost of your insurance. So, ask yourself if you really need these extras!
What Factors Influence the Cost of Toyota Aygo Car Insurance?
Insurance providers consider a variety of factors when assessing your risk and calculating your premiums. Some of the biggest factors that influence your Toyota Aygo insurance include:
- Your insurance group: Your Toyota Aygo insurance group will indicate the level of risk associated with your specific model. Toyota Aygo models including the Aygo X (insurance groups 6-8) and Aygo X-Trend (groups 6-9) may be slightly cheaper to insure compared to other models such as the Aygo X-Press (insurance group 9) or Aygo X-Cite (insurance groups 6-9). Insurance groups are between 1-50 and the higher the number, the higher the premium.
- Your cover level: The level of cover you need for your insurance will also influence how much you pay. Typically, the more cover you need the more you'll pay. For instance, drivers who need a fully comprehensive policy will usually pay more than those who need third-party cover. However, it's still vital to compare quotes as there could be cheaper deals out there for your chosen policy.
- Your driving history: If you have a strong record as a safe and responsible driver, with no history of claims (even if they were not your fault) and no points or violations on your licence, you’ll be seen as a lower-risk driver, which means lower premiums.
- Telematics data: The data collected from your black box, such as your speed, the time of day you drive, and even how you handle corners and braking, will influence your insurance costs. Young drivers in particular can benefit from these kinds of policies.
- Your age: If you're a young driver, then you'll have less road experience, and according to insurance statistics, you're more likely to be involved in an accident. This means higher premiums compared to drivers over 25, who have more experience and are less likely to claim.
- Where you live: If you live in an area with high crime rates or in a densely populated urban setting, you’re likely to pay higher premiums than those in a rural area. This is because of the increased risk of theft and damage to vehicles in towns and cities.